Risk Manager II, Unsecured Lending

• • Oversee credit risk across TD's retail unsecured lending portfolio, including credit cards, personal loans, and overdraft
• • Provide independent risk oversight and challenge on portfolio strategy, risk appetite, growth initiatives, and portfolio performance
• • Partner with senior business, risk, analytics, and executive stakeholders to influence key risk and business decisions
• • Balance growth, profitability, and customer outcomes while ensuring adherence to TD's risk management framework and regulatory expectations
• • Oversee the creation, implementation, and validation of risk strategies across adjudication, exposure management, account management, portfolio segmentation, loss mitigation, and financial performance optimization
• • Focus on overdraft and depository-related credit risk strategies and support broader unsecured lending portfolios and enterprise credit risk initiatives
• • Act as the primary regulatory interface on risk issues and requirements for a key business segment
• • Assess and provide direction for existing and new regulations
• • Interface cross-functionally with teams beyond risk
• • Represent the business on corporate initiatives, identify key risks and implications, and provide direction in complex situations
• • Serve as a senior independent second-line credit risk advisor
• • Provide effective challenge and risk oversight of strategy proposals, policy changes, portfolio actions, and risk management practices
• • Lead complex analyses and communicate risk-based recommendations to senior management
• • Prepare executive-level presentations, risk assessments, and governance materials

Requirements

• 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 relational databases and 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 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
• Experience developing and presenting recommendations to Senior Management
• Ability to manage multiple complex initiatives simultaneously and adapt effectively to changing priorities and business needs
• Proven ability to build productive relationships and influence decisions across business and functional partners without direct authority
• Excellent written and verbal communication skills, including experience preparing executive-level presentations, risk assessments, and governance materials
• Demonstrated ability to independently lead complex analyses, exercise sound judgment, and communicate risk-based recommendations to senior management
• Occasional domestic travel
• Ability to perform sedentary work and operate standard office equipment continuously
• Ability to concentrate for long periods and read, write, and comprehend instructions

Core Competencies

Demonstrates expertise in credit risk management, particularly in overseeing unsecured lending portfolios and regulatory compliance. Proven ability to analyze complex data, develop risk strategies, and communicate effectively with senior management and cross-functional teams.

Highest-signal resume keywords

• Credit Risk Management
• Regulatory Compliance
• Data Analysis and Interpretation
• Stakeholder Engagement
• Risk Strategy Development

ATS Optimization Keywords

Hard Skills

• SQL
• SAS
• ETL
• SAS Enterprise Miner
• FICO Model Builder
• Angoss Knowledge Seeker
• Analytical Reporting
• Risk Assessment
• Portfolio Performance Optimization
• Financial Performance Optimization

Soft Skills

• Analytical Problem Solving
• Attention to Detail
• Communication Skills
• Relationship Building
• Adaptability

Industry Keywords

• Unsecured Lending
• Credit Cards
• Personal Loans
• Overdraft
• Risk Appetite
• Growth Initiatives
• Portfolio Segmentation
• Loss Mitigation
• Governance Materials
• Executive Presentations

Tools & Technologies

• MS Office
• Analytical Software Packages
• Relational Databases