TD Bank Credit Risk Manager II (Auto Finance) in Philadelphia, Pennsylvania
Credit Risk Manager II (Auto Finance)
About TD Bank, America's Most Convenient Bank®
TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.td.com/us . Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBankUS and www.twitter.com/TDNewsUS .
TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit www.td.com .
We offer a competitive salary and benefit program, including: comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.
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Job Description Summary
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 Risk Manager II provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensures the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines. The Risk Manager II investigates, creates, implements and validates various risk segmentation strategies and policies using complex data including cohort time series analysis of PCL, Marketing Investments, Decision Expense, Risk Adjusted Revenue, Risk Adjusted Margin, NPV, ROE, etc. with the limited guidance from the manager.
US TD Footprint
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
- Must be eligible for employment under regulatory standards applicable to the position.
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
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 in and serve, and creating an environment where every employee has the opportunity to reach their potential.
If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.
EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.
Connecticut, District of Columbia, Delaware, Florida, Georgia, Massachusetts, Maryland, Maine, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, Vermont, TD Footprint
Atlanta, Baltimore City, Boston, Burlington, Charlotte, Cherry Hill, Concord, Fairfield, Greenville, Miami, Mount Laurel, New York, Philadelphia, Portland, Providence, TD Footprint, Vienna, Washington, Wilmington
4140 Church Road
TD Bank AMCB
Job Category - Primary:
Group Risk Management
Job Searches Match:
District of Columbia
$108,160 - $175,760 annually
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