Applied Machine Learning Scientist II; Retail
Job in
Toronto, Ontario, M5A, Canada
Listing for:
TD
Full Time
position
Listed on 2026-03-06
Job specializations:
-
IT/Tech
Data Scientist, Machine Learning/ ML Engineer, AI Engineer, Data Analyst
Job Description & How to Apply Below
Position: Applied Machine Learning Scientist II (Retail) 4031
Description
:
The successful candidate will be a member of the Retail Model Development (RMD) team responsible for the development of retail scorecard models that are used in TD's adjudication, account management or collection strategies/policies.
Detailed and key accountability includes (but not limited to):
Discuss business needs with LoB partners and scope the model target/use case before development.Extract data from data warehouses and analyze the data quality of existing features from large data sets and apply appropriate data preparations such as missing imputation or outlier treatment. Ensure business insights are incorporated in the data manipulation stage. Maintain exceptional code quality tracing all data operations.Engineer additional features if needed, such as transactional data aggregation or trends reflecting feature changes over time.Use Machine Learning (ML) algorithms, such as XGBoost or Neural Network, to fit the scorecard models. Analyze cross validation results to improve the hyperparameter tuning, or model performance metrics to propose additional feature engineering or segmentation to improve fitting on specific risk dimensions.Analyze feature contribution of the ML models with attribution tools such as SHAP or LIME, to make sure insights from data mining are still intuitive to LoB partners.Document clearly the modeling steps and decisions, as well as all performance and bias/fairness test results, for validation and compliance review. Support additional analysis requests from validation or compliance partners during those reviews.Collaborate with the model implementation team to move the model from development to production, and with the monitoring team to analyze any changes in model performance or feature attribution over time.Explore next gen data or methodology for retail credit scorecards, such as open banking data or Gen AI modeling framework.Contribute to codebase pipeline enhancement related to data preparations and model development routines*
Job Requirements:
Minimum required experience
3+ years of relevant experience in quantitative credit risk modeling and analytics.Advanced degree in one or more of the Science, Technology, Engineering, and Mathematics (STEM) areas such as Mathematics, Physics, Engineering or Computer Science.Hands-on expertise on large data manipulation in SAS, SQL, python or pyspark.Demonstrated ability to synthesize clear insights from dataExperience working with Git HubAdvanced python programming skills in Databricks including classes, modules packaging and distributions (such as wheels) to create scalable, efficient and maintainable codebase.Understanding of Azure based cloud platforms including Azure Synapse/Delta Lakes, Azure AIDeep understanding of open source ML algorithms for model fitting and attribution(e.g., tree based models, neural network based models, hyperparameter tuning packages, SHAP, etc.)Experience managing/mentoring junior staff members for modeling/analytical deliverables.Experience working collaboratively with cross-functional teams (e.g., compliance, data, business and model risk management) and effectively with people at all levels in an organization Ability to work in a fast-paced environment and manage multiple deadlines at once.Exceptional written and verbal communication skills, with the ability to
1) articulate complex concepts and write technical documents, and
2) adapt communication depending on the audience.Excellent conceptual problem-solving skillsProficient and highly efficient with Word, PowerPoint and Excel for documentation/communication purpose.Preferred
Understanding of retail banking products is a plusUnderstanding of scorecard modeling is a plusWho We Are:
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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships,…
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