Work Location:

Canada

Hours:

37.5

Line of Business:

Risk Management

Pay Details:

We’re committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with a member of our HR Team and ask compensation related questions, including pay details for this role.

Job Description:

The TD Small Business Banking (SBB) Risk Strategy Team is responsible for the development and execution of SBB automated credit adjudication strategies and initiatives that assist our SBB product partners to achieve growth and profitability targets ensuring portfolio performance remains within risk appetite. Accountabilities include providing effective challenge on SBB initiatives, as well as designing, implementing and monitoring credit risk strategies and policies.

Job Details

Reporting to the AVP TDAF/SBB Risk Management, the Sr. Risk Manager will lead the team of Risk Professionals, provide thought leadership on SBB Credit Risk Management Strategy & Policy activities, provide effective Risk Challenge to Product partners, while enabling their business growth within risk appetite through enhancements to auto decisioning acquisition strategies.
The successful candidate will lead a team in a fast-paced and results-oriented environment, ensure effective stakeholders and project management and build/maintain an ownership & learning culture where ongoing team and individual development and strong Pulse results are prioritized.

Specific accountabilities include:

• Lead effective challenge on the health of the SBB Portfolio, including participating in portfolio monitoring, strategy development and policy management

• Enable business growth within risk appetite through leading SBB auto adjudication strategies and policies activities

• Set, monitor and lead the execution of Risk management activities to help SBB achieve business growth within Risk Appetite

• Manage the relationship with various stakeholders, including SBB Product groups, Retail Credit Risk Policy (RCRP), Model Validation, Technology partners and external vendors

• Provide guidance and thought leadership to a team of Risk Management Professionals on Strategy design and Policy management

• Represent Retail Risk Management as a subject matter expert in the planning of new initiatives and product launches

Job Requirements

This role requires a strong People Leader with Risk Management and business knowledge, effective stakeholders and project management skills, as well as understanding of technology tools used by a team:

Risk Management and Business Knowledge:

• 4-6 years of Credit Risk Management Experience in a financial institution or similar is a strong asset

• Understanding of retail credit products, policies and processes, SBB experience is a strong asset

• Understanding of credit risk principles and TD risk framework

• Demonstrated analytical, reporting and problem-solving skills

Leadership Skills:

• Ability to inspire and lead a team of professionals

• Excellent stakeholder and relationship management skills

• Strong ownership mentality and can-do attitude

• Flexibility and resilience to execute in an agile environment, including the ability to manage multiple tasks concurrently

• Strong presentation and communication skills

Technical Skills:

• Familiarity with SQL, SAS, familiarity with Python, R, Tableau

• High Proficiency in MS Office: Excel (Pivot tables and etc.), Word and PowerPoint

Additional Information

Education and Accreditation

• Post-secondary degree is required

• A Master’s Degree is an asset.

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more

Additional Information:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.
 

Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process 
We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement:

N/A.