Work Location:

Singapore, Singapore

Hours:

40

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:

Department Overview:

The Credit Risk Analytics and Collateral Management team is part of the Risk Management function. The team is accountable for the generation and monitoring of an independent view of the Counterparty Credit Risk and Collateral activities of TD’s global trading activities. We support wholesale business initiatives, inform an array of risk management decisions, and facilitate business through managing evolving front office needs, while ensuring appropriate capture and control of risk.

Within the Singapore region, we are responsible for activities related to the production, analysis and reporting of credit risk and exception management as well as collateral management activities. The Singapore regional team is responsible for stakeholder management and activities with regards to the implementation of new or revised risk policies, system migration and model implementations, and analysis of the key measures used by TD to monitor and control counterparty credit risk. We further provide support to key stakeholders, such as the Front Office and Global Market Credits on going market related queries.

Job Description:

The Senior Credit Risk Analyst will primarily be focused on developing accurate and efficient systems and processes of monitoring, reporting, and control of Credit Risk exposures and Credit Risk Capital. The candidate will also participate in initiatives and ad-hoc requests driven by new businesses or products, regulatory requirements, changes in risk policies, and risk & valuation systems.

The role will involve close partnership and interaction with internal and external stakeholders, including Front Office, Market Risk, Global Credit, Finance, Compliance, Technology, Third-party Vendors, etc.  

The individual is accountable for facilitating the planning and execution of regional credit risk and capital regulatory initiatives.

• Document and deliver comprehensive Business Requirements in accordance with MAS regulatory requirements
• Coordinate with various functions including Risk Management, Finance, Front Office, Compliance and Technology to define and implement reporting logics
• Prepare detailed test cases and conduct Functional and User Acceptance Testing
• Maintain regular communication with Program Sponsors and Stakeholders as well as Third-party Vendors to ensure project integrity and direction
• Draft procedures and provide training sessions upon completion of projects to ensure smooth transition to BAU
• Assigned to participate in various initiatives and ad hoc requests that impact the Singapore region and Credit Risk Analytics. This applies to initiatives governed by head office as well as initiatives originating in Singapore. Initiatives will vary from infrastructure improvements, changes in regulatory requirements to supporting local business initiatives. The individual is expected to utilize their expertise and relationships to help drive these initiatives to completion.
• Drive ongoing evaluation and improvement of existing processes as regulatory requirement and business activities change. The successful candidate is expected to plan and execute process improvements for processes under their responsibility to address any impacts caused by these changes. Where appropriate, the individual will engage Credit Risk Analytics team in other offices or cross-functional stakeholders in order to deliver the most cost effective, value-added solutions.
• Meet all requirements defined in Credit Risk Standards including but not limited to Rule Based Escalation, Management Review and Escalation, Documentation, LAN Access Control and EUC Documentation.

• Partner with other Credit Risk Analytics teams to ensure any audit or regulatory findings are managed and cleared within the committed timelines.

Job Requirements:

• Working knowledge of Wholesale markets, including products and market participants
• Understanding of global and regional regulatory rules, specifically of credit risk and capital regulatory requirements
• Minimum 5+ years of finance, credit risk, or market risk reporting experience at financial institutions
• Experience driving large and complex regulatory projects across multiple function groups in a high demand environment
• Experience with data structures, systems, and large/complex datasets
• Excellent oral and written communication skills
• Strong problem solving and analytical skills
• Proficiency in MS Office product suite including programming
• Experience with regulatory reporting platforms/vendors, e.g., Axiom, Suade, Oracle, would be a plus.

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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Our Total Rewards Package
Our Total Rewards package reflects the investment we make in our colleagues to help them, and their families achieve their well-being goals. Total Rewards at TD includes a base salary and several other key plans such as health and well-being benefits, including medical coverage, paid time off, career development, and reward and recognition programs.

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. 

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.  

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

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 

If you require an accommodation for the recruitment / interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.