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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:

In this position, the individual will be responsible for validating and compiling different datasets related to different retail products and building dashboards over it to highlight the trends in expected credit losses and credit risk drivers. Using sound knowledge in credit risk models as well as advanced statistical tools, such as machine learning algorithms, to deliver innovative solutions for our stakeholders and add value in effective risk management process. This will entail extensive and deep interactions with TDBG Model Validation and Model Risk Management, TDBG retail risk management team, layer 6 and technology team to support model review and approval process and ensure model compliance with TDBG Model Risk Policy.   

The position will work closely with and actively support TD Retail Risk Management, as well as retail credit product areas by providing extensive analysis of credit risk drivers for the respective product portfolios. This will include discussing with the retail credit product, finance, and risk management areas key observations and conclusions derived from the data analysis, modelling, and assisting in their use to manage product portfolio risk and profitability.

The individual will use leading-edge technologies and develop innovative solutions in the following areas:

• Data mining – making sense of some very large databases of credit risk related historical data by leveraging state of art statistical technics, such as machine learning and artificial intelligence algorithms
• Predictive credit risk modelling based on rigorous statistical analysis of historical data that will assist our key business partners achieve growth and profitability targets while maintaining acceptable levels of risk within our lending portfolios
• Assist in the validation and assessment of internally and third party developed predictive models, includes data extraction, data analysis, assisting in methodology development and documentation
• To develop and maintain expertise with lending, credit scoring, behavior scoring, portfolio management and industry trends
• To provide decision support, analytical, and statistical service through modeling and segmentation to help Lending BUs achieve business objectives.

This position provides excellent learning, working and career opportunities in a highly professional and motivated team environment, and exposure to a variety of high-paced and intensive modeling projects and to a variety of internal and external stakeholders

MUST HAVE:

• 5+ years of relevant working experience
• Sound knowledge in industry best practices in predictive modelling, including machine learning algorithms
• A university degree in quantitative discipline (Statistics, Mathematics, Computer mathematics, Econometrics, Operations Research); An advanced degree is an asset
• Proficiency in programing using statistical analysis tools, such as Python/R, SAS, Scala, Spark etc., in the context of data manipulation, data mining, statistical analysis, and predictive modelling;
• Proved to be a quick learner, strong problem-solving skills, ability to independently identify and solve problems in an effective and timely manner;

NICE TO HAVE

• Proficiency in dashboard building tools like Python Dash.

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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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.

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.  

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

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):