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Risk Manager II – Credit Card Collections Strategy
TD. Create, implement, and validate risk segmentation strategies, including adjudication, exposure management, risk segmentation, and financial return optimization .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in risk segmentation strategies, credit risk analysis, and regulatory compliance, with a strong focus on data analytics and strategy optimization. Proven ability to develop collections strategies and engage with stakeholders across various channels while adhering to regulatory frameworks.
Highest-signal resume keywords
Risk Segmentation StrategiesCredit Risk AnalysisData AnalyticsRegulatory ComplianceCollections Lifecycle Strategy
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
SQLSASData AnalysisStatistical ValidationTest-and-Learn FrameworksRisk Adjusted RevenueFinancial Return OptimizationBehavioral SegmentationCollections Strategy DevelopmentPerformance Measurement
Soft Skills
Analytical SkillsProblem-SolvingAttention to DetailCommunication SkillsRelationship Management
Tools & Technologies
MS OfficeSAS Enterprise MinerFICO Model BuilderAngoss Knowledge SeekerETL Tools
Industry Keywords
TCPAFDCPACFPBDigital Outreach ChannelsCustomer Engagement
Tech Stack
Tools & technologiesETLPythonSQL
About the role
Key responsibilities & impact- Create, implement, and validate risk segmentation strategies, including adjudication, exposure management, risk segmentation, and financial return optimization
- Provide critical information, interpretation, detailed analysis, and credit risk rational strategies within TD's risk appetite and governmental requirements
- Use complex data and cohort time series analysis of PCL, Marketing Investments, Decision Expense, Risk Adjusted Revenue, Risk Adjusted Margin, NPV, and ROE
- Develop and execute collections strategies across early- to late-stage delinquency
- Improve cure rates, roll rates, and customer engagement
- Design targeted treatment strategies across SMS, digital, call, and legal routing channels
- Drive test-and-learn frameworks, including control/treatment design, performance measurement, and statistical validation
- Identify customer segments using behavioral, risk, and engagement data
- Partner with Legal, Compliance, Operations, and Digital Vendors to implement compliant and scalable strategies
- Monitor RPC%, PTP%, liquidation curves, and roll rates and deliver insights to leadership
- Ensure strategies adhere to TCPA, FDCPA, CFPB guidance, and other regulatory standards
- Support digital transformation initiatives, automation, and vendor integrations
- Act as primary regulatory interface on risk issues and requirements for a key business segment
- Assess and provide direction for existing and new regulations
- Represent the business on corporate initiatives and identify key risks and implications
- Provide direction in complex situations
Requirements
What you’ll need- Bachelor's degree required; graduate degree preferred or progressive work experience in addition to experience below
- 10+ years' experience required
- Proficient PC skills in MS Office and a variety of PC-based analytical and reporting software packages
- Experience with relational databases and 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 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
- Experience developing and presenting recommendations to Senior Management
- Proven experience in credit card collections required
- Experience with collections lifecycle strategy across multiple products or portfolios
- Familiarity with digital outreach channels, including SMS, email, and AI-driven engagement
- Exposure to regulatory frameworks impacting collections, including TCPA, FDCPA, and CFPB
- Strong expertise in data analytics, segmentation, and strategy optimization
- Demonstrated ability to apply a knowledge-seeking, hypothesis-driven approach to problem solving
- Experience designing and evaluating test-and-learn experiments
- Strong proficiency in analytical tools such as SQL, Excel, Python, or equivalent
- Ability to perform sedentary work continuously and operate standard office equipment continuously
- Occasional domestic travel
Benefits
Comp & perks- 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
- Occasional domestic travel