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TD Bank Credit Risk Officer II - Card Partnership in Wilmington, Delaware


Job Title:

Credit Risk Officer II - Card Partnership

TD Description:

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 more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit Find TD Bank on Facebook at and on Twitter at .

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 .

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Department Overview:

TD Bank's Credit Cards and Unsecured Lending organization offers consumer credit in three areas: TD-branded credit cards and personal loans; retail sales financing programs through TD Retail Card Services; and co-branded and private label card partnerships. Our credit cards are distributed through our East Coast retail store network and nationally through hundreds of partnership programs with retailers and other third-party organizations.


United States

Job Requirements:

  • Must be eligible for employment under regulatory standards applicable to the position.

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


Standard Office Hours

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.

Core Responsibilities:

· Perform analysis to build credit risk strategies for Card Partnership portfolio using large and complex datasets

· Responsible for strategy design and implementation of acquisition strategy including underwriting and line assignment

· Perform first occurrence validation (FOV) of strategies to ensure proper implementation, and timely strategy validation exercises to ensure performance meets expectations, and address any adjustment as needed

· Perform detailed analysis and interpret information to make recommendations to senior management

· Collaborate with product and control partners to ensure credit strategies meet control requirements and regulatory standards


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 . 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.


Colorado, Delaware


Centennial, Wilmington


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:

Credit Card Risk Management experience

Work Location:

1313 North Market Street, 13531 E. Caley Avenue

Business Line:


Job Category - Primary:

Risk Management

Job Category(s):

Risk Management

**Province/State (Primary):


ProvState 2:


City (Primary):


City(s) 2:


Job Family:

Group Risk Management

Time Type:

Full Time

Employment Type:


Compensation Information:

For additional information regarding the compensation of this position, please click here

Benefits Information:

For an overview of TD's Benefits program, please visit TD's Total Rewards site (

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