Credit Risk Specialist; ATH

Credit Risk Specialist (ATH 5028)
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Click from the options below to either decline or accept Non-essential cookies.# TD Careers Credit Risk Specialist (ATH 5028) page is loaded## Credit Risk Specialist (ATH 5028)
Apply remote type:
On Site locations:
Toronto, Ontario time type:
Full time posted on:
Posted Todaytime left to apply:
End Date:
June 19, 2026 (15 days left to apply) job requisition :
R 1492292
*
* Work Location:

** Toronto, Ontario, Canada
*
* Hours:

** 37.5
** Line of Business:
** Risk Management
** Pay Details:**$96,900 - $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  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:

** Department Overview:

The TDAF Risk Strategy Team is responsible for the development and execution of Automated Risk Decision and initiatives that will assist TDAF business partners to achieve growth and profitability targets while maintaining the overall risk quality of our lending portfolios. Accountabilities include providing leadership on optimizing Automated Risk Decision (ARD) and monitoring and oversight of a highly dynamic and exciting portfolio.

Job Description:

Reporting to the Senior Manager, TDAF Credit Risk Strategy, the Credit Risk Strategy Manager will develop, monitor and enhance Automated Risk Decision for the TDAF portfolio.

The successful candidate will work in a fast-paced and results-oriented environment and will be part of a learning culture where ongoing development is encouraged.

Specific accountabilities include:
* Participate in development, design, testing and verification of TDAF Automated Risk Decision for acquisition.
* Regularly monitor performance of existing and new ARDs, in terms of both the rate of auto-adjudication versus expectations and historical levels, and the on-book performance of loans which are funded through the various implemented ARDs.
* Represent Retail Risk Management as a subject matter expert in the planning of new initiatives and product launches for TDAF.
* Collaborate with all stakeholders including Risk Infrastructure and Reporting Team, TDBFG Risk, TDAF Product group and external vendors.
* Provide insights and analysis that will identify origination and delinquency trends and inform revenue enhancement and loss mitigation decisions.

Job Requirements:

This role requires a combination of technical skills, project management, business knowledge and interpersonal skills:
** Business Knowledge:
*** 4-5 years of Retail Credit Risk Management experience in a financial institution or similar
* Experience working with credit data, either within a risk management or product context
* Prior experience in automated adjudication strategy development would be considered a strong asset
* Auto Finance industry experience would be considered a strong asset
** Technical

Skills:

*** High Proficiency in Python and SQL. Others such as SAS, Tableau, Angoss would be considered an asset
* Prior experience in machine learning (e.g., Decision tree, XGBoost) and building models in MS Azure would be considered a strong asset
* Proficiency in Big data (Hadoop, HIVE, Spark, etc.) would be considered an asset
* High Proficiency in MS Office:  Excel (Pivot tables and etc.), Word and Power Point
** Interpersonal

Skills:

*** Flexibility and resilience to execute in an agile environment, including the ability to adapt and manage changing priorities
* Analytical and intellectually curious, seeking to understand root causes
* Great attention to detail
* Strong ownership mentality and can do attitude
* Strong presentation and communication skills
* Excellent relationship management skills

Education and…