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TD

Risk Manager I

TD

. Create, implement, and validate risk segmentation strategies for adjudication, account management, exposure management, risk segmentation, and financial return optimization .

Posted 11/4/2026full-timeUnited StatesMid-LevelSenior💰 $120,000 - $139,360 per yearWebsite

Core Competencies

Role fit
Core Competencies

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Demonstrates expertise in credit risk management, including risk segmentation strategies, data analysis, and reporting. Proficient in SQL, SAS, and data visualization tools, with strong analytical and problem-solving capabilities to support strategic decision-making.

Highest-signal resume keywords
Credit Risk ManagementSQL ProficiencyData AnalysisRisk Segmentation StrategiesData Visualization Tools

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills
SQLSASData ModelingPredictive ModelingMachine LearningStatistical AnalysisRisk-Based DecisioningETLRegression AnalysisTime Series Analysis
Soft Skills
Analytical SkillsProblem-Solving SkillsCommunication SkillsInterpersonal SkillsPresentation Skills
Tools & Technologies
MS ExcelPowerPointTableauPower BISAS Enterprise MinerAngoss Knowledge SeekerPython ML LibrariesDatabricks
Industry Keywords
Credit StrategyPortfolio ManagementRisk AnalyticsCustomer SegmentationScorecardsChampion-Challenger TestingPortfolio MonitoringFinancial Return OptimizationGovernmental RequirementsBusiness Intelligence Tools

Tech Stack

Tools & technologies
ETLPythonScikit-LearnSQLTableau

About the role

Key responsibilities & impact
  • Create, implement, and validate risk segmentation strategies for adjudication, account management, exposure management, risk segmentation, and financial return optimization
  • Provide critical information, interpretation, detailed analysis, and credit risk strategies aligned with TD's risk appetite and governmental requirements
  • Investigate, create, implement, and validate risk segmentation strategies and policies using complex data, advanced analytical approaches, and business intelligence tools
  • Demonstrate governance, control, and risk management behaviors aligned with TD policies and practices
  • Lead or participate in new initiatives, workflow development, additional services or applications, operational efficiencies, special project teams, and cross-functional work groups
  • Assist with developing and enhancing credit risk assessment capabilities for new and existing clients
  • Perform detailed analysis and interpret information to recommend critical strategies, including non-standard and ad-hoc requests, to Senior Management
  • Create reports on implemented strategy results using quantitative methods and MIS
  • Recommend ways to increase efficiency and revenue while managing credit risk
  • Work cross-functionally with teams outside Risk
  • Work with Internal Audit and External Regulators to keep process documentation complete and current
  • Maintain sound credit control through proactive risk management within Bank guidelines
  • Communicate relevant issues promptly and foster effective relationships with internal and external groups

Requirements

What you’ll need
  • Bachelor's degree required; Graduate degree preferred
  • 5+ years' experience required
  • Proficient PC skills, including strong competency in MS Excel and PowerPoint
  • Experience with PC-based analytical and reporting software packages
  • Experience with relational databases and Extract Transform Load (ETL)
  • Experience with SQL or SAS
  • Familiarity with analytical or reporting tools such as SAS, R, Matlab, and Tableau
  • Strong analytical and problem-solving skills
  • Experience in data modeling and risk management
  • Background in business administration, statistics, mathematics, science, or finance
  • Excellent written and verbal communication skills
  • Experience developing and presenting recommendations to Senior Management
  • Preferred: 5+ years supporting credit risk management, credit strategy, underwriting, portfolio management, or risk analytics for unsecured lending products
  • Proficiency in SQL and experience with SAS and/or Python
  • Experience with Tableau, Power BI, or similar data visualization and reporting platforms
  • Working knowledge of credit risk concepts, including customer segmentation, risk-based decisioning, scorecards, champion-challenger testing, portfolio monitoring, and strategy performance measurement
  • Familiarity with regression, hypothesis testing, predictive modeling, machine learning, and time series analysis
  • Experience working with large datasets and enterprise data environments
  • Preferred knowledge of Equifax, Experian, TransUnion, risk scores, and customer behavior analytics
  • Exposure to SAS Enterprise Miner, Angoss Knowledge Seeker, Python ML libraries such as Scikit-learn, Databricks, or similar tools
  • Occasional domestic and international travel

Benefits

Comp & perks
  • Base salary and variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards
  • 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
  • Regular career, development, and performance conversations
  • Online learning platform
  • Mentoring programs
  • Training and onboarding sessions
  • Equal opportunity employment and disability accommodations