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credit manager

Title posted on CareerBeacon - Credit Risk Specialist (ATH )

Posted on June 07, 2025 by Employer details TD Bank

Job details

Work Location:Toronto, Ontario, CanadaHours:37.5Line of Business:Risk ManagementPay Details:$91,200 - $136,800 CADTD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.Job Description:Job Description:Department OverviewThe TD Retail Risk Management Credit Card and Personal Lending (RRM CC &amp; PL) team is responsible for the development and execution of CC and PL automated risk decisions and credit adjudication initiatives that assist our product partners to achieve growth and profitability targets while maintaining the overall credit risk quality of CC and PL lending portfolio and ensuring portfolio performance remains within risk appetite. Accountabilities include providing effective challenge on CC and PL Portfolio, as well as designing, implementing, and monitoring credit risk strategies.Job DescriptionThis is an exciting opportunity reporting to the Senior Manager, Credit Card and Personal Lending, Retail Risk Management. The successful candidate will be a part of a dynamic and innovative team that is responsible for monitoring and challenging credit risk activities including managing the design, implementation, and monitoring needs of various account management strategies for Cards and Personal Lending products.Specific responsibilities include:? Gain a deep understanding over complex automated credit deterministic systems and credit lending decision engines. Contribute to and lead the ongoing management of credit extension and lending frameworks design, implementation, and monitoring improvements and efficacy.? Through advanced analytics involving big data - data collection, wrangling, and exploration - perform detailed analytics to identify opportunities to enhance credit extension and lending frameworks.? Champion the development, design, testing, and monitoring / verification of automated risk processes.? Dimension impacts of change proposals for automated risk decision systems. Ensure proposals are balanced and comprehensive, considering customer and risk impacts. Solutions must support management of risk and/or enable business growth within satisfactory risk parameters.? Support the ongoing evaluation and use of predictive models in credit strategies to ensure effective use and application of various available models.? Provide a broad range of risk analysis, reporting, monitoring and support to management and business partner requests and acting as a specialist/expert in providing guidance and advice on a range of risk related matters.? Represent Retail Risk Management as a subject matter expert in the planning of new initiatives.? Collaborate with a variety of cross-functional stakeholders including: Credit Card and Personal Lending Product teams, related Retail Risk teams, TD partner analytics support teams, Technology, and other Control functions.? Lead all aspects of initiatives that drive risk efficacy and support business growth: concept ideation, project socialization with partners and senior management, preparation, and documentation of formal proposal submissions, driving implementation, and managing governance requirements.? Work collaboratively with stakeholders and partners to design and recommend solutions that improve the understanding and quantification of customer credit risk. Play an integral role in supporting engagement of senior management in s