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. 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. This role leads strategic credit risk initiatives within the RESL portfolio.

It is well suited for someone who is naturally curious, enjoys tackling complex problems, and is motivated by learning and applying new tools and technologies to improve how credit risk is managed. It involves close partnership with senior leaders, business teams, and technical experts to strengthen credit risk decision‑making and oversight through analytics‑driven insights and modern risk management approaches. Success in the role requires the ability to maintain a broad, portfolio‑level perspective while remaining organized and detail‑oriented, ensuring ideas translate into effective and executable risk outcomes.

To strengthen the RESL credit risk management framework by improving adjudication quality, data integrity, and risk oversight. This is achieved through automated, data‑driven controls and decision frameworks, and by providing clear, structured, and well‑reasoned recommendations on material risk matters.

Credit Risk Strategy & Decision Leadership: Frame complex credit risk issues into clear problem statements and decision objectives Assess existing risk frameworks and adjudication practices to identify opportunities to improve clarity and explainability of credit decisions Make recommendations that are prudent, policy‑compliant, and practical for RESL business, and clearly explain the thinking behind them Advanced Analytics & AI Enablement: Lead the business risk perspective on initiatives that apply advanced analytics or AI‑enabled tools to enhance adjudication quality, monitoring, and risk oversight Build and maintain strong knowledge of RESL data, lending policies, and underwriting practices to inform analytics use cases Actively learn and apply emerging technologies to improve credit risk insight, efficiency, and control Develop clear, concise executive‑level materials that communicate insights, risks, progress, and recommendations Influence outcomes through effective engagement with stakeholders across risk, business, and technology Contribute as a trusted thought partner in discussions related to credit risk strategy and modernization Lead workstreams with accountability for scope, quality, and timelines;

Experience: Minimum 5 years of corporate work experience, including leadership of cross‑functional initiatives Experience: contributing to or leading innovative,



transformative, or non‑BAU projects Experience: partnering closely with analytics, data science, or model development teams to deliver outcomes Background: in credit risk strategy, underwriting, or portfolio risk management; secured lending experience is an asset Bachelor’s degree (4‑year) from an accredited university; Degree in a quantitative or technical discipline such as mathematics, statistics, engineering, computer science, or a related STEM field Analytics & Technical Skills: Hands‑on experience using AI‑enabled tools, with the ability to effectively prompt, iterate, and apply outputs to support analysis and problem solving Proficiency in programming and data analysis tools such as Python and SQL/SAS Experience using data visualization and reporting tools such as Tableau and Power BI Strong working knowledge of Microsoft Office tools (Excel, Word, PowerPoint) Experience using Visio or similar tools to document processes, decision flows, frameworks, or control designs Professional Skills: Strong written and verbal communication skills, including executive‑level presentation Credit risk decisions and oversight are meaningfully strengthened through analytics and modern tools Analytics and AI initiatives address real risk needs and meet governance expectations Senior leaders receive clear, well‑structured recommendations that support timely action Stakeholders view the role as a reliable and effective partner across risk, business, and technology TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. 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. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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.



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

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.

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. We do our best to communicate outcomes to all applicants by email or phone call.

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.

Language

Requirement (Quebec only) At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Commitment to Diversity, Equity, and Inclusion At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve. TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future.

Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

📌 Manager, Credit Risk Strategic Initiatives (RESL) (ATH 5274)
🏢 TD Bank Group
📍 Toronto