Risk Manager II – Credit Card Collections Strategy Manager

. Manage the creation, implementation, and validation of risk segmentation strategies, including adjudication, exposure management, risk segmentation, and financial return optimization .

Posted 10/2/2026full-timeUnited StatesSeniorLead💰 $145,000 - $186,160 per yearWebsite

Core Competencies

Role fit

Core 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 enhance customer engagement through targeted treatment approaches.

Highest-signal resume keywords

Risk Segmentation StrategiesCredit Risk AnalysisData AnalyticsRegulatory ComplianceCollections Strategy Development

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

SQLSASData AnalyticsStatistical ValidationCohort Time Series AnalysisRisk-Adjusted RevenueRisk-Adjusted MarginTest-and-Learn Experiment DesignFinancial Return OptimizationCollections Lifecycle Strategy

Soft Skills

Analytical SkillsProblem-Solving SkillsAttention to DetailCommunication SkillsRelationship Management

Tools & Technologies

MS OfficeSAS Enterprise MinerFICO Model BuilderAngoss Knowledge SeekerAnalytical Reporting Software

Industry Keywords

TCPAFDCPACFPBCredit Card CollectionsDigital Outreach Channels

Tech Stack

Tools & technologies

ETLPythonSQL

About the role

Key responsibilities & impact

Manage the creation, implementation, and validation of risk segmentation strategies, including adjudication, exposure management, risk segmentation, and financial return optimization
Provide critical information, interpretative analysis, and detailed analysis to support credit risk decisions within TD's risk appetite and governmental requirements
Investigate, create, implement, and validate risk segmentation strategies and policies using complex data, including 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, improving cure rates, roll rates, and customer engagement
Use data analytics and segmentation to design targeted treatment strategies across SMS, digital, call, and legal routing
Drive test-and-learn frameworks through control/treatment design, performance measurement, and statistical validation
Identify customer segments using behavioral, risk, and engagement data to optimize outreach and recovery strategies
Partner with Legal, Compliance, Operations, and Digital Vendors to implement compliant, scalable strategies
Monitor performance metrics including 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, including automation and vendor integrations
Act as the primary regulatory interface for a key business segment and provide direction on existing and new regulations
Interface cross-functionally with teams beyond Risk
Represent the business on corporate initiatives, identify key risks and implications, and 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) processes using SQL or SAS
Working knowledge of SAS Enterprise Miner, FICO Model Builder, or Angoss Knowledge Seeker
Strong analytical and problem-solving skills
Flexibility to adapt to rapidly changing requirements
Extremely strong attention to detail and ability to manage and prioritize multiple tasks
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 such as SMS, email, and AI-driven engagement
Exposure to TCPA, FDCPA, and CFPB regulatory frameworks
Strong expertise in data analytics, segmentation, and strategy optimization
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, or Python
Occasional domestic travel
Ability to perform sedentary work and operate standard office equipment continuously

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
Competitive benefits plan