Manager, group risk - Toronto, ON, Canada - TD

Description

Gestion des risques Détails de la rémunération :
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The TD Retail Risk Management Credit Card and Personal Lending (RRM CC & PL) Strategy team is responsible for the development and execution of CC and PL automated credit adjudication strategies and initiatives that assist our product partners to achieve growth and profitability targets while maintaining the overall credit risk quality of CC and PL lending portfolio and ensuring portfolio performance within risk appetite. Accountabilities include providing effective challenge on CC and PL Portfolio, as well as designing, implementing, and monitoring credit risk strategies.
Reporting to Senior Manager, Credit Card Account Management, this role will provide analytical thought leadership and support for credit risk initiatives related to Cards Account Management, including automated risk decisions (ARDs), either through reactive adjudication decisions or proactive Pre-approval Offers. As a Manager, Group Risk, you will leverage your understanding of consumer credit behaviour to investigate, create, implement, and validate various strategies, scorecards and policies through developing business cases, performing pre and post implementation monitoring and reporting to ensure targets are achieved.

• Gain a deep understanding over complex automated credit decision systems and strategy engines. Translate data driven insights into technology solutions that give the ability to operate and control retail credit strategies to manage credit risk.

• Through advanced analytics involving big data - data collection, wrangling, and exploration - apply statistical techniques to proprietary data to identify features, characteristics, or signals that inform and enable discrimination of credit risk or serve as a leading indicator of potential change in credit risk.

• Work collaboratively with stakeholders and partners to design and recommend solutions - potentially including new decision tools and segmentation, that improve the understanding and quantification of risk. Play an active role in supporting engagement of senior management in socializing and gaining formal approval of recommendations.

• Perform detailed analysis and interpret information to make recommendations to Senior Management and Executives on critical strategies including non-standard and ad-hoc requests as determined by management.

• Through advanced analytics and data mining, translate insights into knowledge to assess and provide effective challenge on the health of the Credit Card portfolio and strategies. Support Risk Management Points of View to inform Management of increasing and emerging risks.

• Work effectively with internal stakeholders, including Business Line and Technology partners, to support / lead the identification, development, implementation and monitoring of strategies and programs, including potentially leading special project teams or cross functional work groups.

• Monitor strategies, using all appropriate quantitative methods and reporting tools, provide insight on variances and make recommendations to further the achievement of Credit Card Lending business objectives, while controlling delinquency and losses within the approved risk appetite and produce those reports on a regular basis.

• Demonstrate governance and control, as well as risk management behaviors in alignment with TD policies and practices.

• Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation, and teamwork and ensure timely communication of issues/ points of interest.

• Participate in cross training within own team.

• Develop relationships with internal and external business partners to develop productive working relationships.

• Solves complex problems requiring analysis of multiple variables, including consultation with multiple stakeholders.

• Builds stakeholder alignment in leading projects and activities; may provide process and subject matter advice at senior levels.
This role requires a combination of technical skills, project management, business knowledge and interpersonal skills:
Technical and Analytical Skills:

• Experience in data mining and analysis either from a business administration, statistical, mathematical, scientific, or financial background is required

• High Proficiency in SQL, Python, PySpark, SAS, and R as well as Angoss or similar and Tableau or similar. Proficiency in Microsoft Azure would be considered an asset

• Strong analytical ability and problem-solving skills are required to interpret data and draw conclusions

• High Proficiency in MS Office: Excel (including pivot tables, charts and graphics), PowerPoint, Word

• Business Knowledge:

• Advanced knowledge and understanding of credit products

• Experience developing and presenting recommendations to senior management

• Understanding of credit products, policies, and processes
Interpersonal Skills and Project Management:

• Proven ability to develop and maintain productive business / peer relationships, including superior communication, interpersonal, and influencing skills in a fast-paced dynamic environment.

• Ability to work independently and in teams, including occasionally managing cross functional or special project teams.

• Post-Secondary degree: Statistics / Applied Mathematics / Actuarial Sciences, MBA / Business degree, Engineering, Computer Science or Economics is preferred. MBA or similar Master's degree would be considered an asset. Prior work experience will be considered as an alternative to the listed academic credentials.
Elle représente la cinquième banque en Amérique du Nord de par son nombre de succursales. Chaque jour, nous offrons une expérience client légendaire à plus de 27 millions de ménages et d'entreprises au Canada, aux États-Unis et partout dans le monde. Plus de collègues de la TD mettent en commun leurs compétences, leur talent et leur créativité au service de la Banque, des clients qu'elle sert et des économies qu'elle appuie. Nous sommes guidés par notre vision d'être une meilleure banque et par notre objectif d'enrichir la vie de nos clients, de nos collectivités et de nos collègues.
En parallèle de l'évolution de nos activités et de notre stratégie, nous innovons afin d'améliorer l'expérience client et de créer des capacités pour façonner l'avenir des services bancaires. Que vous ayez plusieurs années d'expérience dans le secteur bancaire ou que vous commenciez tout juste votre carrière dans le domaine des services financiers, nous pouvons vous aider à réaliser votre plein potentiel. Vous pourrez compter sur nos programmes de formation et de mentorat et sur des conversations sur le perfectionnement et le leadership pour réaliser votre plein potentiel et atteindre vos objectifs. Notre programme de rémunération globale reflète les investissements que nous faisons pour aider nos collègues et leur famille à atteindre leurs objectifs en matière de bien-être mental, physique et financier. La rémunération globale à la TD inclut le salaire de base, la rémunération variable et bien d'autres régimes clés, comme des avantages sociaux en matière de santé et de bien-être, des régimes d'épargne et de retraite, des congés payés, des avantages bancaires et des rabais, des occasions de développement de carrière et des programmes de récompenses et reconnaissance. C'est d'ailleurs pourquoi nous leur offrons des conversations sur le perfectionnement, des programmes de formation et un régime d'avantages sociaux concurrentiel.
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