SBB Automated Adjudication Strategy Manager

Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Personal & Commercial Banking

Pay Details:

$96,900 - $136,800 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 :

The SBB Risk Strategy Manager has the exciting opportunity to increase the use of automated credit decisions to improve customer and colleague experience through a combination of advanced data analytics, project management, technology delivery and risk assessment skills to develop and execute on Small Business Banking (SBB) automated credit strategies. Reporting to the Senior Manager, SBB Credit Policy & Risk Strategy – the position holds the key responsibility to drive a continuous increase in automated credit decisions for SBB Credit to reduce end to end credit cycle time, improve customer & employee experience, and grow profitable market share. A successful candidate would accomplish this via supporting the continuous review and improvement of key strategy initiatives (e.g. SBB Auto Adjudication, Small Business Offers, Automated Review Strategy, etc.), via collaboration across multiple teams within the Fund My Business (FMB) Journey and alongside other partners and stakeholders.

Job Description :

As SBB Risk Strategy Manager within Fund My Business (FMB) Journey the successful candidate will:

• Conduct advanced data analysis to deliver recommendations to both build new and improve upon existing automated credit strategies, with the two main standing objectives of:

  • Increasing Automation 

  • Enhancing Risk Identifcation 

• Explore opportunities to use data in new ways and leverage the latest statistical techniques to deliver automated credit decision strategies, including the potential to apply machine learning to develop automated strategies.

• Exercise good credit judgment and strong partner management skills to achieve a balanced recommendation which aligns with the broader business objectives of Business Banking, while maintaining the appropriate level of risk oversight and adherence to the Bank's risk appetite.

• Work to obtain consensus support for recommendations from relevant partner groups, management and senior executives via strong written and verbal presentation skills.

• Understand the various proprietary and external models and scoring systems used to support SBB (e.g. Layer 6 Account Management, SDC, ERS, etc.)

• Coordinate with Technology Partners to ensure any technology solution accurately reflects the business requirements and is designed in such a manner to ensure maximum flexibility for future strategy enhancements.

• Be involved in the successful implementation of any strategy, including oversight of the testing / quality control of changes and potential post-implementation reviews.

• Represent SBB Credit Product as a subject matter expert on various projects and initiatives.

• Adapt to challenges/opportunities as presented to contribute both directly and indirectly to:

  • Achieving Business Banking credit volume and revenue targets

  • Supporting Business Banking product, policy and strategy initiatives and launches

  • Maintaining awareness and tracking of relevant risk trends and credit performance metrics

  • Build and maintain a network of contacts to assist with the effective completion of this role., working with key stakeholders and partners including from Retail Risk Management (RRM) and Platform, Credit Cards, Small Business Credit Centre (SBCC), Change Management etc.

  • Act as a Subject Matter Expert on SBB Provision for Credit Losses (PCL), understanding credit risk issues, trends, and proactively identifying opportunities related to the credit risk profile & performance of the SBB Credit portfolio

Job Requirements :

• Ability to establish and leverage working relationships across diverse groups within the Bank.

• Drive analytical insights using data, including the use of coding languages such as SAS, SQL, Python, R, etc.

• Strong analytical and problem-solving skills.

• Strong technical Excel skills, and the demonstrated ability to work with a variety of other PC applications, such as Microsoft Word, PowerPoint and Access

• Self-motivated, demonstrates a ‘sense of urgency’ where required.

• Independently organized, with the ability to coordinate multiple simultaneous tasks and deliverables.

• Ability to work effectively in a constantly changing environment, requiring ongoing re-evaluation of priorities and management of multiple concurrent deadlines.

• Familiarity with Business Banking and/or Small Business Banking credit products and processes is considered an asset

• Familiarity with Risk Management concepts and or Risk/Credit experience is considered an asset.

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):

Sans Objet