This job has expired and you can't apply for it anymore. Start a new search.

Risk Manager I - Acquisitions and Account Management - U10

Job Description
•The Risk Manager I is responsible for both Acquisitions and Account Management risk management strategies such as Approve/Decline, Credit Limit Assignment, Credit Line Increase, Credit Line Decrease, Account Closure, Authorizations and etc. Successful candidate will manage the creation, implementation and validation of various risk segmentation strategies by extracting data, performing analysis, showing empirical evidence and apply sound judgment
•The primary accountability for this job is providing a comprehensive and diverse range of risk management expertise. As a seasoned Credit Card Risk Manager, you will be proactive in investigating, validating and analyzing risk segmentation strategies and policies using complex data including Credit losses, Marketing Strategy, Expense, Risk Adjusted Revenue, Risk Adjusted Margin, NPV, ROE, etc. with the limited guidance from the unit manager.
Job Requirements
•The primary accountability for this job is providing a comprehensive and diverse range of risk management expertise. As a seasoned Credit Card Risk Manager, you will be proactive in investigating, validating and analyzing risk segmentation strategies and policies using complex data including Credit losses, Marketing Strategy, Expense, Risk Adjusted Revenue, Risk Adjusted Margin, NPV, ROE, etc. with the limited guidance from the unit manager.
•The role will be supporting USBankcard (franchise card) business with additional exposure to CoBrand partners
• Ensure sound credit control by taking a pro-active approach to risk management within the risk guidelines of the Bank.
• Required to demonstrate governance, control and risk management behaviors in alignment with TD policies and practices.
• Leads/participates in the identification, development and implementation of new initiatives, operating workflow, additional services/applications or operational efficiencies including potentially leading special project teams or cross functional work groups.
• Assists with developing and enhancing credit structuring/packaging and risk assessment capabilities to identify and maintain good business opportunities with new and existing clients.
• 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.
• Creates reports on the results of implemented strategies, using all appropriate quantitative methods and MIS, and makes recommendations to increase efficiencies and revenue while controlling delinquency and losses and produce those reports on a regular basis.
• Ensures the timely communication of issues that are relevant to the team and encourages a good working relationship with other internal and external groups.
• Works with Internal Audit to obtain data for the Audit Findings reports and obtain findings status from business partners.
Qualifications
• Bachelor’s degree in a related field required
• Graduate Degree preferred or progressive work experience in addition to experience below
• 5-10 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, successful candidate will make presentations/recommendations to Credit Card Head of Risk Management