Senior Manager, TDAF Credit Risk Automated Strategies (ATH 2129)

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KEY ACCOUNTABILITIES

CUSTOMER

• Oversee development of credit decision and account management strategies

• Manage analysis of credit risk strategies and policies, portfolio risk trends, business analytics, scorecard performance and risk models for non-credit card consumer loan products

• Ensure design and implement processes and applications to provide risk metrics, management reports and MIS support

• May provide effective challenge to the product partners to ensure all decisions are within Risk Appetite

SHAREHOLDER

• Work closely with key business leaders to develop business plan, ensuring the optimal use of resources and leverage TD's operating model to maximize efficiency, effectiveness and scale

• Plan and execute on strategic activities, review and communicate results, and adjust tactics accordingly

• Execute on the annual business plan to deliver results aligned with business strategies

• Manage overall budget, revenue and expenditures, meet business objectives while increasing efficiency and effectiveness

• Proactively identify key business opportunities, research and recommend enhancements / modifications, develop strategies to achieve recommendations and work closely with team to execute and implement

• Monitor and communicate the effectiveness of strategies, programs, and practices related to own area of expertise

• Protect the interests of the organization - identify and manage risks, and escalate non-standard, high risk transactions / activities as necessary

• Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts

• Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite

• Ensure employees are knowledgeable; and assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct

EMPLOYEE / TEAM

• Contributes to the development of business segment and/or enterprise functional strategic priorities within their operational area or field of specialty

• Develops annual and/or long term plans for own area and influences plans well beyond area managed

• Responsible for management of the overall team providing both leadership and guidance

• Set targets and objectives for the team, and deliver results

• Grow team expertise to align with business/enterprise demand and direction; assess team skills and capabilities and continually look for ways to provide and enhance the value delivered

• Lead a high performing team; provide on-going feedback and performance reviews, coach and develop employees and ensure performance management activities are undertaken and provide regular input into employee assessments and development plans

• Lead the process of setting performance objectives for the team; track, monitor and effectively address and/or reward performance in a timely manner

• Manage employees in compliance with all human resources policies, procedures and guidelines of conduct

• Share knowledge, information, skills, and subject matter expertise among the team and ensure the timely communication of issues and encourage good working relationships with other teams

• Support an environment where team freely escalates business challenges; facilitate change through positive reinforcement of milestones/successes

• Recruit for all hires to ensure a highly diverse, qualified workforce to achieve objectives

• Establish and foster a cohesive team; promote a fair and equitable environment that supports a diverse workforce and encourage the team to achieve common goals/objectives

• Act as a brand ambassador for your business area/function and the bank, both internally/ externally

BREADTH & DEPTH

• Oversee and lead a large and/or highly complex and diverse reporting function for an area of significant risk, complexity or scope while growing talent, developing skills and capabilities to achieve career goals, support project / initiative success and achieve business results

• Provides coaching, mentorship and guidance to practitioners, business, executives within area of expertise

• Manages and oversees the overall discipline and strategy for the respective areas while aligning to the enterprise best practices

• Provides coaching, mentorship and guidance to practitioners, business, executives within area of expertise

• Strategic partner to leadership team on the management of the portfolio and financials, with deep industry, external / internal, enterprise knowledge, recognizing and anticipating emerging trends and; identifying operational efficiencies and opportunities with other business management / enterprise areas

• Facilitate key strategic discussions and provide thought leadership to executive audience (output may include strategic roadmap and/or deliverables/ frameworks/ short to long term goals etc.)

• Set operational team direction and collaborate with others to execute on common goals

• Focus on longer-range planning for functional area (e.g. 12 months or greater)

• Generally reports to business management executive

EXPERIENCE & EDUCATION

• Undergraduate degree or technical certificate and/or

• 10+ years relevant experience

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