Risk Manager II (US) Unsecured Lending (Fintech)

Location: Remote Philadelphia, with the listed work location in Mount Laurel, New Jersey, United States

Salary: $115,440–$173,160 USD per year

Company

TD is a global financial institution serving households and businesses across Canada, the United States, and other markets.

What you will do

• Provide independent second-line credit risk oversight and challenge for retail unsecured lending portfolios, including credit cards, personal loans, and overdraft.
• Assess portfolio strategy, risk appetite, growth initiatives, portfolio performance, profitability, and customer outcomes.
• Oversee the creation, implementation, and validation of strategies covering adjudication, exposure management, account management, segmentation, and loss mitigation.
• Focus on overdraft and depository-related credit risk strategies while supporting broader unsecured lending and enterprise risk initiatives.
• Act as a regulatory interface for a key business segment and provide direction on existing and new regulations.
• Partner with senior business, risk, analytics, and executive stakeholders and present recommendations to senior management.

Requirements

• Bachelor's degree required; a graduate degree or additional progressive experience is preferred.
• 10+ years of relevant experience required.
• Experience with relational databases and ETL using languages such as SQL or SAS.
• Working knowledge of SAS Enterprise Miner, FICO Model Builder, or Angoss Knowledge Seeker.
• Strong analytical, problem-solving, communication, prioritization, and relationship-management skills.
• Ability to lead complex analyses, interpret data, make risk-based recommendations, and influence senior stakeholders without direct authority.

Culture & Benefits

• Full-time employment with base salary and potential variable compensation or incentive awards.
• Health and well-being benefits, savings and retirement programs, paid vacation and holiday time off, banking benefits, and discounts.
• Career development conversations, training, mentoring, and access to an online learning platform.
• Training and onboarding are provided.
• Occasional domestic travel may be required; international travel is not expected.

Hiring process

• Selected candidates will be contacted to schedule an interview.
• Application outcomes are communicated by email or phone when possible.