Work Location:Wilmington, Delaware, United States of America
Hours:40
Pay Details:$115,440 - $186,160 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. 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 base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line of Business:Risk Management
Job Description:We are looking for a highly analytical and strategic lead to join as a Credit Card Collections Strategy Manager, responsible for driving performance optimization across the end-to-end collections lifecycle. This role leverages advanced analytics, segmentation, and test-and-learn methodologies to design and refine strategies that improve customer outcomes while maintaining strong regulatory compliance.
The ideal candidate brings deep expertise in credit card collections, strong problem-solving and analytical skills, and a hypothesis-driven, learning mindset to continuously evolve strategies and deliver measurable impact.
Key Responsibilities- Develop and execute collections strategies across delinquency stages (early through late), with a focus on improving cure rates, roll rates, and overall portfolio performance
- Partner cross-functionally to design, test, and optimize treatment strategies using data-driven insights
- Monitor strategy performance and recommend enhancements to drive sustainable improvements in customer and business outcomes
Depth & Scope:- Performs functions noted for Risk Manager I
- Generally an expert at the enterprise or group business level
- Acts as the primary regulatory interface on risk issues and requirements for a key business segment of the Bank and assesses and provides direction for existing and new regulations
- Interfaces with teams beyond risk in a cross-functional manner
- Represents business on corporate initiatives and identifies key risks and implications and provides direction in complex situations
Education & Experience: - Bachelor's degree required; Graduate degree preferred or progressive work experience in addition to experience below
- 10+ years' experience required
- Proficient PC skills in MS Office and a variety of PC-based analytical and reporting software packages
- Experience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAS
- Working knowledge of SAS Enterprise Miner, FICO Model Builder or Angoss Knowledge Seeker
- Strong analytical and problem solving skills are required to interpret data and draw conclusions
- Flexibility to adapt to rapidly changing requirements
- Extremely strong attention to detail with ability to manage a range of tasks and prioritize
- Proven ability to develop and maintain productive business/peer relationships
- Superb written and verbal communication skills
- Experienced in developing and presenting recommendations to Senior Management
Preferred Qualifications: - Preferred to be located in greater Philadelphia region
- Prior experience working on large portfolio credit cards collections strategies
- Experience working with analytical tools (i.e. SAS, Python, CHAID)
Physical Requirements:Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
- Domestic Travel - Occasional
- International Travel - Never
- Performing sedentary work - Continuous
- Performing multiple tasks - Continuous
- Operating standard office equipment - Continuous
- Responding quickly to sounds - Occasional
- Sitting - Continuous
- Standing - Occasional
- Walking - Occasional
- Moving safely in confined spaces - Occasional
- Lifting/Carrying (under 25 lbs.) - Occasional
- Lifting/Carrying (over 25 lbs.) - Never
- Squatting - Occasional
- Bending - Occasional
- Kneeling - Never
- Crawling - Never
- Climbing - Never
- Reaching overhead - Never
- Reaching forward - Occasional
- Pushing - Never
- Pulling - Never
- Twisting - Never
- Concentrating for long periods of time - Continuous
- Applying common sense to deal with problems involving standardized situations - Continuous
- Reading, writing and comprehending instructions - Continuous
- Adding, subtracting, multiplying and dividing - Continuous
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.
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