Work Location:Southfield, Michigan, United States of America
Hours:40
Pay Details:$115,440 - $173,160 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:The Risk Manager II manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, exposure management, risk segmentation, and financial return optimization.
The position requires:
- Strong statistical and mathematical background with auto lending experience; 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, and knowledge of feature engineering and attribute aggregation.
- Advanced proficiency in SAS, R, Python, and related analytical tools.
The position is expected to:
- Integrate large, diverse datasets, apply feature engineering, and identify trends and patterns to support model development and enhancement.
- Develop and enhance scorecards and models throughout credit life cycle using statistical methodologies and machine learning techniques.
- Coordinate model deployment across FICO Decision Engine, Python, and related platforms.
- Partner with stakeholders to support Model Risk Management due diligence and timely issue resolution.
- Leverage statistical models and vendor data platforms, to improve acquisition and portfolio performance.
- Support downstream use of models, consolidate business impact analyses related to model or strategy changes, and communicate key findings to the management team.
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
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.
