Senior Credit Risk Analyst (ATH 5293)

Work Location: Toronto, Ontario, Canada Hours: 37.5 Line of Business: Risk Management Pay Details: $81,600 - $115,200 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: Job Description: A high-visibility opportunity for a risk management professional to drive risk strategy and loss-reduction outcomes. This role offers the unique opportunity to analyze trends in the retail collections business and develop new strategies insights to drive business performance. This includes the identification of business and industry related trends and loss avoidance opportunities across the full suite of retail lending portfolios including credit cards, auto finance, personal lending, small business banking, and real estate secured products. Through regular analysis of key risk indicator trends and the development of new metrics, this role is critical in reducing losses for the bank. Key Accountabilities: Ownership, creation, and continuous improvement of the Customer Assistance Risk strategies and oversights. Develop and build verification process of risk collection strategies as per guidelines. Create and adhere to Quality Control measures as they pertain to data mining and strategies creation. Develop a deep understanding of Customer Assistance processes, procedures, strategies, and data sources. Develop points of view through deep-dive analysis to help minimize losses and increase recoveries. Identify risk mitigation opportunities to optimize existing strategies. Job Requirements: 5+ years Databricks/Python experience with the use of Relational Databases. Experience leveraging AI-assisted development tools to optimize code performance and processing efficiency. Very strong verbal, written, presentation & communication skills. Strong organizational skills, with the ability to work in a fast-paced environment and manage multiple deadlines and priorities. Highly developed critical thinking, analytical and problem-solving skills Existing knowledge of Customer Assistance (Collections and Recovery) business and procedures. Flexibility to adapt to rapidly changing requirements. Demonstrated ability to convert data into actionable recommendations. Can test and prove that data presented is accurate. Demonstrated ability to lead an initiative with little supervision. Self-motivated team player with high energy and thinks outside the box. Experience developing engaging data visualizations using Power BI. Experience developing and presenting recommendations to an executive audience 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. 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. 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

The role involves analyzing retail collections trends and developing risk strategies to minimize losses across various lending portfolios. You will be responsible for creating and improving customer assistance risk strategies while ensuring data accuracy through rigorous quality control measures.

Candidates must have 5+ years of experience with Databricks, Python, and relational databases, along with a strong background in collections and recovery. Excellent analytical, communication, and presentation skills are required to effectively convey actionable insights to an executive audience.

• Health and well-being benefits • Savings and retirement programs • Paid time off • Banking benefits and discounts • Career development programs • Reward and recognition programs

• Visualisation de donnéesSouhaitée
• Power BISouhaitée
• Résolution de problèmesSouhaitée
• PythonSouhaitée

Relevées dans la description du poste. Confirmez les exigences importantes ci-dessus.

• Databricks
• Python
• Relational Databases
• AI-assisted development tools
• Risk management
• Data mining
• Loss reduction
• Credit risk analysis
• Collections and recovery
• Critical thinking
• Analytical skills
• Problem-solving
• Power BI
• Data visualization
• Communication skills
• Strategic planning
• Automotive Finance
• Energetic
• Organizational Skills
• Time Off Management
• Risk Mitigation
• Self-Motivation
• Banking
• Financial Institution
• Commercial Banking
• Investments
• Customer Service
• Communication
• Continuous Improvement Process
• Training And Development
• Creativity
• Critical Thinking
• Data Mining
• Data Visualization
• Programming Tools
• Leadership
• Problem Solving
• Python (Programming Language)
• Key Risk Indicator
• Learning Platforms
• Risk Management
• Mentorship
• Employee Onboarding
• Presentations
• Real Estate
• Writing
• Collections
• Quality Control
• Business Risk Management

• Finance & Accounting
• Data & Analytics
• Technology
• Management & Leadership
• Credit Risk Analyst
• Risk Consultant
• Management and Organization Analysts
• Financial Risk Specialists

Expérience minimale

5+ ans

Postuler avant le

11 sept. 2026

Langue de l’offre

anglais

Heures de travail

38 heures par semaine