Risk Manager II

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Work Location: Southfield, Michigan, United States of America

Hours: 40 hours/week

Pay Details: $111,760 - $166,400 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience  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.

Line Of Business: Risk Management

The Risk Manager II provides dealer performance review and governs the Dealer Oversight committee. The Risk Manager II identifies risk issues and solutions to satisfy audit and regulatory requirements. The Risk Manager II also establishes KPIs and provides hands‑on data analytics to streamline auto decisioning rules and credit policy changes. The Risk Manager II manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, exposure management, risk segmentation, and financial return optimization.

The Risk Manager II provides critical information, interpretative and detailed analysis and deploys critical credit risk rational strategies that ensures the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines. The Risk Manager II investigates, creates, implements and validates various 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, ROE, etc.

with limited guidance from the manager. Auto finance background strongly preferred.

• Performs functions noted for Risk Manager I
• Generally an expert at the enterprise or group business level
• Acts as the primary regulatory interface on risk issues and requirements for a key business segment of the Bank and assesses and provides direction for existing and new regulations
• Interfaces with teams beyond risk in a cross‑functional manner
• Represents business on corporate initiatives and identifies key risks and implications and provides direction in complex situations

• Bachelor’s degree required;
  Graduate degree preferred or progressive work experience in addition to experience above
• 10+ years' experience required
• Proficient PC skills in MS Office and a variety of PC‑based analytical and reporting software packages
• Experience with the use of Relational Databases and the process of 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 are required 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
• Experienced in developing and presenting recommendations to Senior Management

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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 deliver legendary customer experiences to over 27 million households and…