Work Location:Wilmington, Delaware, United States of America
Hours:40
Pay Details:$90,000 - $108,160 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 Officer II develops and recommends appropriate credit risk standards related to credit card portfolios and other credit related activities. In conjunction with senior management and typically a firm-wide Credit Committee, Credit Card Risk Officer formulates and/or manages the firm's portfolio risk management policies including, but not limited to: acquisitions, line assignment, and existing account management. The job staffs, monitors existing and potential credit exposure, and implements measures to attain portfolio risk goals. The Risk Officer II analyzes and evaluates credit risks resulting from underlying demographics of portfolio (geographic, demographic, income, and other macro-economic variables). This job recommends and implements credit enhancement on an as-needed basis, either directly, or in conjunction with Risk Analytics/Modeling, may be responsible for development and evaluation of credit risk management models. This job also provides a broad range of risk analysis, reporting and/or support to business partners and acts as a specialist/expert in providing guidance/advice on a range of risk related matters within assigned or own area of specialization.
Depth & Scope:- Performs functions noted for Credit Card Risk Officer I
- Supports and assists in the development of credit risk projects/initiatives; pulls performance and demographic data, performs detailed analysis and assists in preparation of appropriate documentation/recommendation
- May lead a small team or operate in a lead capacity managing risk activities such as KRI, CSI, RCSA and Action Plan reporting on behalf of a key business or functional area
- May be involved on risk related committees and/or related working groups as a Subject Matter Expert (SME) and plays a lead role in research / analysis and /or integrating / implementing key risk management practices
- Performs detailed analysis and interprets information to make recommendations to Senior Management on critical strategies including non standard and ad-hoc requests as determined by management
- Ensures the timely communication of issues that are relevant to the team and encourage a good working relationship with other internal and external groups
Education & Experience: - Bachelor's degree
- 3-5 Years of related experience
- Proficient PC skills including a strong competency in MS Excel and PowerPoint, 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
- Experience in data modeling and risk management either from a business administration, statistical, mathematical, scientific or financial background
- Excellent written and verbal communication skills
Preferred Qualifications:- Advanced experience in SQL, SAS, and Python
- Credit Risk Management experience
- Experience in modeling
- Advanced data analytics experience
- Cross-functional collaboration
- Experience with AI
- Bachelors in economics, finance, and/or business
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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