Senior Credit Risk Analyst Senior Credit Risk Analyst …

TD Bank Group
in Toronto, ON, Canada
Permanent, Full time
Be the first to apply
TD Bank Group
in Toronto, ON, Canada
Permanent, Full time
Be the first to apply
Senior Credit Risk Analyst
Company Overview

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Department Overview

The Credit Risk Management department provides expertise in enabling the bank to manage the risk exposures and achieving its business and strategic objectives effectively. Our professionals work on establishment of standards for assessing, monitoring, and measuring credit risk using approved internal risk rating models, procedures and escalation processes. If you want to be a brand ambassador who can help strive efficiencies for the bank, then join our team and make an impactful contribution to TD and your own success.

Job Description

This position reports to the Senior Manager, Retail Risk Management - Cards & Personal Lending and is responsible for providing a broad range of risk analysis, development and implementation of various risk strategies, support business partner requests and initiatives, and acting as a specialist/expert in providing guidance/advice on a range of risk related matters within assigned area of specialization. Through leading edge analytics, the role will also be responsible for the development of portfolio and sub-portfolio level insights for emerging risks, as well as provide best in class analysis of credit risk strategies, portfolio risk trends and scorecard performance to ensure Canadian Cards achieves its objectives.

• As a seasoned risk analyst, you will leverage your understanding of credit behaviour to create, implement and validate various strategies and policies using complex data including cohort time series analysis
• Perform detailed analysis and interpret information to make recommendations to Senior Management on critical strategies including non-standard and ad-hoc requests as determined by management
• Analyze issues and identify potential solutions that further business objectives
• Work effectively with business partners to support/lead the identification, development, implementation and monitoring of initiatives through credit risk oversight and effective challenge
• Ensure the timely communication of issues that are relevant to the team and encourage a good working relationship with other internal and external groups
• Continuously enhance knowledge/expertise on the operational aspects of credit card product lifecycle, e.g. TSYS, TRIAD, CreditLink
• Co-lead the usage of Machine Learning models in risk strategies by means of developing and implementing challenger strategies
• Collaborate with internal partners in Model Development, Model Validation and Enterprise Data & Analytics to oversee the development and implementation of ML models
• Demonstrate strong governance and control and risk management behaviour in alignment with TD policies and practices


• Experience using Hadoop-based data technologies such as HDFS, Impala, HIVE, Spark SQL, and/or Python
• Advanced expertise with the use of big data and relational databases using common languages such as SQL or SAS
• Knowledge and experience in Data Modeling and Risk Management either from Business, Statistical, Mathematical, Scientific, or Financial background would be an asset
• Strong analytical ability and problem solving skills are required to interpret data and draw conclusions
• Proven ability to develop and maintain productive business/peer relationships, including superior communication, inter-personal, 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
• Extremely strong attention to detail
• Must be self-motivated, energetic and results-oriented and be committed to adding value to the organization
• Advanced knowledge and understanding of retail credit products and underlying data would be an asset.
• Excellent communication skills, with experience developing and presenting recommendations to senior management
• Working knowledge of SAS Enterprise Miner, or Altair Knowledge Seeker (previously Angoss) would be an asset
• Flexibility to adapt to rapidly changing requirements
• Must possess strong organizational skills and the ability to manage a range of tasks and issues simultaneously to a positive outcome and in a timely manner

Additional Information

• University or College degree (Business/Mathematics/Statistics or suitable equivalent) and/or relevant work experience.
• Minimum three years of relevant experience.




At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.