Credit Risk Specialist (Credit Automation) (ATH 5028)

Work Location:
Toronto, Ontario, Canada

Hours:
37.5

Line of Business:
Risk Management

Pay Details:
$96,900 - $136,800 CAD

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 at TD. Our 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 Credit Risk Automation team is helping shape the future of automotive lending at TD. We design, implement and oversee automated risk decisioning strategies that enable faster, more consistent credit decisions while supporting responsible growth, dealer and customer experience, operational efficiency and strong portfolio performance. Working across Risk, Product, Technology, Data, Model Development and Operations, the team turns advanced analytics, machine-learning models and emerging data capabilities into well-governed credit solutions across Prime, Non-Prime, Lease and Recreational lending.

Job Description

The opportunity

Reporting to the Senior Manager, TDAF Credit Risk Strategy, you will play a hands-on leadership role in advancing TDAF's credit automation agenda. You will translate portfolio insights, advanced scoring models and business priorities into automated risk decisions that improve speed, consistency and scalability while protecting the Bank's risk appetite.

This is an opportunity to work at the intersection of credit risk, data science and digital transformation. You will influence how credit decisions are made, partner with senior stakeholders and see your work move from analysis and design through testing, implementation and ongoing optimization.

What you'll do

Lead the design, development, testing, implementation and enhancement of acquisition and account-management automated risk decision strategies across TDAF portfolios.

Use portfolio, application, bureau, internal TD and performance data to identify opportunities to increase automation, strengthen risk segmentation and improve dealer and customer outcomes.

Evaluate and enable advanced scoring solutions, including Hubble, Webb and other machine-learning or alternative-data capabilities, within scalable decisioning frameworks.

Monitor auto-adjudication, approval, decline, manual-review, delinquency and loss outcomes; investigate emerging trends and recommend timely, evidence-based action.

Balance growth, profitability, operational efficiency and client experience with prudent credit risk management and effective challenge.

Lead strategy simulations, impact assessments, testing, first-occurrence verification and post-implementation reviews to confirm solutions perform as intended.

Maintain clear strategy documentation, controls, audit trails and monitoring that support ARD, model, policy and regulatory governance.

Represent Retail Risk Management as a trusted subject-matter expert for new products, platform modernization and strategic initiatives.

Collaborate across TDAF Product, Decision Optimization, Technology, Data, Model Development, Operations, Policy, Governance and external partners to move complex initiatives from concept to implementation.

Communicate concise insights and recommendations to senior leadership, translating technical analysis into clear business and risk decisions.

Contribute to an inclusive, curious and high-performing team culture where colleagues own risk, raise issues early and continuously improve how work gets done.

Why join us

You will help build the next generation of TDAF credit decisioning, with meaningful exposure to advanced analytics, enterprise data, model deployment, platform modernization and senior decision-makers. The role offers visible impact, broad partnerships and strong opportunities to deepen both technical and leadership capabilities.

Job Requirements

What you bring

Four or more years of relevant experience in retail credit risk, lending strategy, decision science, analytics, product management or a related financial-services discipline.

Understanding of credit risk fundamentals and the ability to connect policy, strategy, portfolio performance and customer outcomes.

Demonstrated experience using data to solve ambiguous business problems and convert analysis into practical recommendations.

Good SQL and Python skills. Experience with SAS, Power BI, Tableau or similar tools is an asset.

Familiarity with machine-learning techniques such as decision trees or XGBoost, model implementation, cloud analytics or big-data environments is a strong asset.

Experience with Azure platforms is an asset.

Experience designing, monitoring, validating or governing automated adjudication strategies is an asset; automotive finance experience is welcome but not required.

Strong project leadership and stakeholder-management skills, with the ability to coordinate across Risk, Business, Technology, Data and Operations.

Clear, persuasive written and verbal communication, including the ability to explain complex analysis to non-technical and senior audiences.

Intellectual curiosity, sound judgment, attention to detail and a strong ownership mindset.

Comfort working in an agile environment, managing changing priorities and escalating risks or issues early.

We recognize that strong candidates may bring different combinations of experience. If you are excited by credit automation, data-driven decisioning and responsible innovation, we encourage you to apply.

Education and Accreditation

Post-secondary degree in a quantitative, business or technology-related field, such as Mathematics, Statistics, Economics, Finance, Engineering or Computer Science.

A master's degree or relevant professional designation is an asset, not a requirement.

Who 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, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more

Additional Information:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development

If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

If you're passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
Your accessibility is important to us. Please let us know if you'd like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):
Sans Objet