Risk Manager II, Credit Card Collections Strategy Manager

Risk Manager II managing the creation and implementation of credit card collections strategies. Leveraging data analytics to drive performance optimization across the collections lifecycle at TD.

Posted 7/31/2026full-timeWilmington • Florida, North Carolina • 🇺🇸 United StatesSeniorLead💰 $145,000 - $186,160 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in risk segmentation strategy development and implementation, with a strong focus on data analysis, compliance adherence, and cross-functional collaboration. Proficient in utilizing analytical tools and methodologies to drive insights and support digital transformation initiatives.

Highest-signal resume keywords

Risk Segmentation Strategy DevelopmentData Analysis and InterpretationSQL or SAS ProficiencySAS Enterprise Miner or FICO Model Builder ExperienceRegulatory Compliance Adherence

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Risk SegmentationData AnalysisSQLSASETL ProcessCohort Time Series AnalysisPerformance Metrics MonitoringDigital Transformation SupportAutomation ImplementationReporting Software Proficiency

Soft Skills

Analytical Problem SolvingAttention to DetailAdaptabilityCommunication SkillsRelationship Management

Tools & Technologies

MS OfficeSAS Enterprise MinerFICO Model BuilderAngoss Knowledge Seeker

Industry Keywords

Regulatory StandardsComplianceCross-Functional CollaborationCollections StrategiesRisk Adjusted Revenue

Tech Stack

Tools & technologies

ETLSQL

About the role

Key responsibilities & impact

Manage the creation, implementation and validation of various risk segmentation strategies
Provide critical information, interpretative, and detailed analysis
Investigate, create, implement and validate various risk segmentation strategies and policies
Develop and execute collections strategies across delinquency stages
Conduct a cohort time series analysis of PCL, Marketing Investments, Decision Expense, Risk Adjusted Revenue, Risk Adjusted Margin, NPV, ROE, etc.
Partner with cross-functional teams (Legal, Compliance, Operations, Digital Vendors) to implement compliant and scalable strategies
Monitor key performance metrics and deliver insights to leadership
Ensure all strategies adhere to regulatory and compliance standards
Support digital transformation initiatives, including automation and vendor integrations

Requirements

What you’ll need

Bachelor's degree required; Graduate degree preferred or progressive work experience
10+ years' experience required
Proficient PC skills in MS Office and a variety of PC-based analytical and reporting software packages
Experience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAS
Working knowledge of SAS Enterprise Miner, FICO Model Builder or Angoss Knowledge Seeker
Strong analytical and problem solving skills are required to interpret data and draw conclusions
Flexibility to adapt to rapidly changing requirements
Extremely strong attention to detail with ability to manage a range of tasks and prioritize
Proven ability to develop and maintain productive business/peer relationships
Superb written and verbal communication skills
Experienced in developing and presenting recommendations to Senior Management.

Benefits

Comp & perks

health and well-being benefits
savings and retirement programs
paid time off (including Vacation PTO, Flex PTO, and Holiday PTO)
banking benefits and discounts
career development
reward and recognition