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. 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.

Job Description:

Role Overview

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.

The role is responsible for setting direction, applying sound judgment, and influencing outcomes on work that is often open-ended and cross-functional. 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.

Role Purpose

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.

Key Accountabilities

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
• Partner with analytics and/or model development teams to ensure outputs are relevant, interpretable, and aligned with governance expectations
• Actively learn and apply emerging technologies to improve credit risk insight, efficiency, and control

Executive Communication & Stakeholder Influence

• Develop clear, concise executive-level materials that communicate insights, risks, progress, and recommendations
• Translate analytical findings into structured narratives that support informed and timely decision making
• 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

Ways of Working

• Lead workstreams with accountability for scope, quality, and timelines
• Demonstrate intellectual curiosity and disciplined thinking through structured questioning and evaluation of alternatives
• Balance strategic thinking with strong organization, attention to detail, and execution discipline

Requirements & Qualifications

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

Education

• 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
• Ability to synthesize complex information into clear, decision-ready messages
• Strong organizational and prioritization skills, with the ability to manage ambiguity and multiple workstreams effectively

What Success Looks Like

• 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

Our Total Rewards Package
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. Learn more

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

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development

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.

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. 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.

Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
Your accessibility is important to us. 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.

We look forward to hearing from you!

Language Requirement (Quebec only):
Sans Objet