Risk Management 81,600
- $115,200 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. The Retail Risk Management Credit Cards & Personal Lending Strategy team develops and manages credit strategies that drive customer and business outcomes. We combine analytics, strategic thinking, and stakeholder influence to balance growth, profitability, customer experience, and risk appetite. then turn those insights into actions that shape portfolio performance. Along the way, we leverage contemporary analytics and AI-enabled tools to improve productivity, accelerate insights, and focus on higher-value strategic decisions. Reporting to the Senior Manager, Credit Strategy, you'll support the MBNA and other credit card portfolios by combining analytics, strategic thinking, and stakeholder collaboration to solve business problems and drive meaningful outcomes. You'll work across Product, Fraud, Technology, Operations, and Model Development to drive business growth. building support for an idea, and helping turn it into action. Use data, analytics, and business insight to identify opportunities, improve credit strategies and customer outcomes, and answer not just "what happened?", and "what should we do about it?" Design, implement, monitor, and optimize credit strategies that balance growth, customer experience, profitability, and risk appetite. Influence decisions, build stakeholder support, and drive alignment across Product, Model Development, Fraud, Technology, Operations, and senior leadership. Challenge assumptions, ask tough questions, and provide effective challenge on portfolio performance,



emerging risks, and strategic initiatives. Translate complex data into clear, compelling recommendations that drive action and influence executive decision-making. Monitor portfolio performance, identify emerging opportunities and risks, evaluate new models, tools, and capabilities, and recommend actions to improve credit decisioning and portfolio outcomes. Leverage modern analytics and AI-enabled tools to improve efficiency, accelerate insights, and support strategic decision-making. You enjoy connecting dots across data, business objectives, stakeholder perspectives, and customer outcomes. You're equally comfortable working with data, senior leaders, and skeptical stakeholders. You enjoy building relationships, influencing decisions, and bringing people together around a common goal. You can simplify complex analysis into a clear, compelling story that drives action and helps turn ideas into reality. Technical & Analytical Skills Experience using data and analytics to solve business problems and influence strategic decisions. Ability to translate analysis into clear recommendations, not just findings. Strong SQL skills and experience working with large, complex data sets. Exposure to Python, Databricks, Azure, predictive models, machine learning, credit decisioning tools, or AI-enabled productivity tools is an asset. Business & Risk Acumen Experience in Credit Risk, Retail Banking, Financial Services,



or a related analytical field. Understanding of consumer lending, credit decisioning, portfolio management, or risk strategies is an asset. Ability to balance customer, business, and risk considerations when making recommendations. Strong written and verbal communication skills, including presenting to senior audiences. Ability to simplify complex concepts and tell a compelling story with data. We're more interested in your ability to solve problems, influence decisions, and drive outcomes than a specific academic path. Undergraduate degree in a quantitative discipline such as Mathematics, Statistics, Economics, Engineering, Computer Science, Business Analytics, or a related field. Experience in Credit Risk, Retail Banking, Financial Services, Strategy, Analytics, Consulting, or a related field. Experience using data to influence business decisions and recommendations. Graduate degree or experience with predictive analytics, machine learning, or credit decisioning tools is considered an asset. TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. 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

📌 Data Scientist (Canada)
🏢 TD
📍 Canada