Risk Manager II

Risk Manager II (US)

Location:

Southfield, Michigan, United States

Hours:

40 hours per week

Pay: $111,760 – $166,400 USD annually (base pay is competitive and may vary by candidate’s experience and skills)

• Provide dealer performance review and govern the Dealer Oversight committee.
• Identify risk issues and solutions to satisfy audit and regulatory requirements.
• Establish KPIs and perform hands‑on data analytics to streamline auto decisioning rules and credit policy changes.
• Manage the creation, implementation, and validation of various risk segmentation strategies (adjudication, exposure management, risk segmentation, financial return optimization).
• Provide critical information, interpretative analysis, and deploy credit risk strategies ensuring decisions stay within TD risk appetite and comply with all governmental requirements.
• Investigate, create, implement, and validate risk segmentation strategies and policies using complex data (e.g., cohort time series analysis of PCL, Marketing Investments, Decision Expense, Risk Adjusted Revenue, Risk Adjusted Margin, NPV, ROE).
• Act as the primary regulatory interface for risk issues and requirements for key business segments, assessing and providing direction for existing and new regulations.
• Collaborate cross‑functionally with teams beyond risk and represent business on corporate initiatives.
• Represent business on corporate initiatives, identifying key risks and providing direction in complex situations.

• Bachelor’s degree required; graduate degree preferred or progressive work experience in addition to the experience below.
• 10+ years’ experience in risk management, credit analysis, or related field.
• Proficient PC skills in MS Office and analytical reporting software.
• Experience with relational databases and ETL processes using SQL or SAS.
• Working knowledge of SAS Enterprise Miner, FICO Model Builder, or Angoss Knowledge Seeker.
• Strong analytical and problem‑solving skills; ability to interpret data and draw conclusions.
• Flexibility to adapt to rapidly changing requirements and maintain a strong attention to detail.
• Proven ability to manage multiple tasks, prioritize, and develop productive business/peer relationships.
• Excellent written and verbal communication skills, and experience presenting recommendations to senior management.
• Auto finance background strongly preferred.

• Physical requirements:
  
  domestic travel occasional; operating standard office equipment continuous; other tasks as listed.

• Seniority level:
  Mid‑Senior level
• Employment type:
  
  Full‑time
• Job function:
  Finance and Sales
• Industry: Banking

TD Bank is an equal‑opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran, or any other characteristic protected under applicable federal, state, or local law. If you have a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at , including your full name, best contact method, and the accommodation needed.

The above statements describe the general nature of the work; they are not exhaustive. The listed responsibilities and duties are considered essential functions for ADA purposes.