Risk Manager II (US)

Location: Remote, with the listed work location in Southfield, Michigan, United States of America; other location: Mount Laurel, New Jersey. Occasional domestic travel is required.

Salary: $115,440–$173,160 USD base pay.

Company

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

What you will do

• Create, implement, and validate risk segmentation strategies covering adjudication, exposure management, risk segmentation, and financial return optimization.
• Integrate large and diverse datasets, apply feature engineering, and identify trends and patterns for model development and enhancement.
• Develop and enhance scorecards and models across the credit life cycle using statistical methodologies and machine learning.
• Coordinate model deployment across FICO Decision Engine, Python, and related platforms.
• Partner with stakeholders on Model Risk Management due diligence, issue resolution, and regulatory requirements.
• Analyze business impacts of model and strategy changes, communicate findings to management, and support portfolio performance improvements.

Requirements

• Bachelor’s degree and 10+ years of experience are required; a graduate degree or additional progressive work experience is preferred.
• Auto lending experience is required, together with a strong statistical and mathematical background.
• Expertise in logistic regression, decision trees, clustering, survival analysis, GLM, gradient boosting, scorecard development, reject inference, PD/LGD loss prediction, and machine learning.
• Hands-on analytics experience with bureau and alternative data sources, including feature engineering and attribute aggregation.
• Advanced proficiency in SAS, R, Python, and related analytical tools.
• Experience with relational databases and ETL using SQL or SAS; proficiency with MS Office and PC-based analytical and reporting software.
• Working knowledge of SAS Enterprise Miner, FICO Model Builder, or Angoss Knowledge Seeker.
• Strong analytical, problem-solving, communication, attention-to-detail, prioritization, and adaptability skills, with the ability to maintain productive business and peer relationships.
• Experience developing and presenting recommendations to senior management.

Nice to have

• Graduate degree.
• Progressive work experience in addition to the required experience.

Culture & Benefits

• Remote work arrangement with training and onboarding support.
• Health and well-being benefits, savings and retirement programs, paid vacation, flex and holiday time off, banking benefits, and discounts.
• Career development conversations, an online learning platform, mentoring programs, and performance support.
• Variable compensation or incentive award eligibility may include cash and/or equity awards.
• Respectful and inclusive workplace with equal employment opportunities and disability accommodations.

Hiring process

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