Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Risk Management

Pay Details:

$76,800 - $115,200 CAD

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.

Job Description:

Department Overview

Model Management & Analytics (MMA) is committed to providing quality credit risk solutions within the retail environment. MMA's goal is to meet and exceed the needs of clients through the optimal use of leading-edge risk assessment practices and teamwork.

The Modeling Implementation Team (MIT) is part of the Model Management & Analytics (MMA) group within MRMD and is responsible for model implementation, on-going operational model updates/optimization, and model execution for Canadian and Retail and Small Business Banking product portfolios. As part of our mandate, we also support regulatory programs such as RWA, IFRS9, Stress Testing etc.

Job Description

This is an excellent opportunity for a candidate seeking to advance their understanding of Retail Credit Risk areas. Reporting to the Model Implementation Manager, the position also works closely with Retail Risk Model Development, Reporting and Analysis teams, and with external business partners. This opportunity has the following key accountabilities:

• Contribute to projects including the SAS Grid to SAS MLE conversion and Re-platforming
• Contribute to the maintenance of the operational processes for model scoring
• Provide programming support to incorporate the changes resulted from periodic model updates and operational enhancements
• Contribute to the development and implementation of new models to support on-going initiatives related to the Canadian and US Retail and Small Business Banking portfolios
• Collaborate with the Retail Risk Model Development and the Reporting and Analysis teams to perform various impact estimation for new model implementations
• Work proactively and effectively with the Retail Risk Management and various technology groups to gather requirements for model implementation
• Create and maintain operational and data lineage documentation basing on updates from model implementation
• Support the Model Implementation Team's and MMA management in internal and external audit reviews and compliance attestations

Job Requirements

• An independent contributor with strong critical thinking and analytical skills
• Capable of tackling complex problems with innovative approaches
• Strong working knowledge and three or more years of extensive hands-on experience using SQL SAS in the context of data manipulation, data mining, and statistical analysis
• Capable of adapting to a fast-paced environment and a quick learner
• Experienced working with UNIX and comfortable working from the command line
• Experienced with writing and eliciting requirements
• Experience working in both operational and project environments
• Good understanding of job automation and optimization
• Strong problem-solving skills, ability to independently identify, debug, and solve problems in an effective and timely manner
• Familiarity with TD's retail business and products
• Good interpersonal skills and able to build and maintain productive working relationships with various partners across the Bank and on different levels of organization.
• Strong written and oral communication skills
• Ability to manage multiple initiatives and priorities while ensuring that critical deadlines are met
• Experience with Oracle, Microsoft SQL Server, SAS Studio and DB2 databases would be an asset
• Project management experience would be an asset
• Knowledge of Regular Expression, Perl, Python, R, JSON, XML, CA7, JCL, REST API's, Confluence, and JIRA would be an asset
• Understanding of basic retail credit risk drivers would be an asset
• Understanding of regulatory programs such as BCAR and IFRS9 would be an asset

Education and Accreditation:

• Post-secondary education in Computer Science, Engineering, Statistics, Mathematics, Finance, or related fields/experience
• SAS certification would be considered assets

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing – and so will you.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more

Additional Information:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we're committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
Your accessibility is important to us. Please let us know if you'd like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.
We look forward to hearing from you!

Language Requirement (Quebec only):

Sans Objet