Risk Manager I-CDPP Credit Risk Management

Location: Wilmington, Delaware, United States of America; occasional domestic and international travel.

Salary: $120,000–$145,600 USD annually.

Company

TD is a global financial institution and major North American bank serving households and businesses in Canada, the United States, and other markets.

What you will do

• Create, implement, investigate, and validate credit risk segmentation strategies covering adjudication, account management, exposure management, risk segmentation, and financial return optimization.
• Develop and enhance credit risk assessment capabilities for new and existing clients while maintaining alignment with the Bank's risk appetite and governmental requirements.
• Perform detailed quantitative analysis, interpret information, and present recommendations to Senior Management, including for non-standard and ad-hoc requests.
• Produce regular reports on implemented strategies using appropriate quantitative methods and management information systems, recommending efficiency and revenue improvements while managing credit risk.
• Lead or participate in new initiatives, workflow and application improvements, special projects, and cross-functional working groups.
• Maintain complete process documentation and collaborate with internal audit, external regulators, risk teams, and other internal and external groups.

Requirements

• Bachelor's degree and 5+ years of experience are required; a graduate degree is preferred.
• Proficient PC skills, including strong competency in MS Excel, PowerPoint, and PC-based analytical and reporting software.
• Experience with relational databases and Extract, Transform, Load (ETL) processes using languages such as SQL or SAS.
• Familiarity with analytical and reporting tools such as SAS, R, Matlab, and Tableau.
• Strong analytical and problem-solving skills for interpreting data and drawing conclusions.
• Experience in data modeling and risk management from a business administration, statistical, mathematical, scientific, or financial background.
• Excellent written and verbal communication skills.
• Experience developing and presenting recommendations to Senior Management.

Nice to have

• Advanced experience with SQL, SAS, and Python.
• Credit Risk Management experience, modeling experience, and advanced data analytics experience.
• Cross-functional collaboration experience.
• Experience with AI.
• Master's degree in economics, finance, and/or statistics.

Culture & Benefits

• Full-time role with a 40-hour work week and onsite work in Wilmington, Delaware.
• Benefits include health and well-being plans, savings and retirement programs, paid vacation, flex and holiday time off, banking benefits, and discounts.
• Career development includes regular development and performance conversations, training, an online learning platform, and mentoring programs.
• Training and onboarding sessions are provided.
• Respectful workplace with equal employment opportunity and accommodation support.

Hiring process

• Candidates of interest will be contacted to schedule an interview.
• Application outcomes are communicated by email or phone when possible.