Vice President Automotive Risk Manager II
Job description
TD Description
TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J.
We offer a competitive salary and benefit program, including: comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.
Department Overview
- Quantifies and analyzes risk drivers and characteristics for US Auto Finance portfolios
- Researches, evaluates, develops, and applies quantitative models and methodologies for analyzing risk exposures and Originations scorecard strategies
- Performs independent statistical and optimization analysis to support credit risk and pricing initiatives covering the lifecycle of retail auto products, in areas such as portfolio migration analysis, economic impact assessment, expected loss/revenue expectation setting, and vintage performance monitoring
- Solid understanding of credit scorecard modeling and end-to-end development, and knowledge of machine learning methods is a plus
This is a hybrid role (3 days a week) if you live near one of our hubs in Detroit MI, Wilmington DE, or Mt Laurel PA (outside Philly). If you do not live near these hubs, remote work is an option for highly qualified candidates.
Job Description
- Performs functions noted for Risk Manager I
- Generally an expert at the enterprise or group business level
- Acts as the primary regulatory interface on risk issues and requirements for a key business segment of the Bank and assesses and provides direction for existing and new regulations
- Interfaces with teams beyond risk in a cross-functional manner
- Represents business on corporate initiatives and identifies key risks and implications and provides direction in complex situations
Job Requirements
- Bachelor's degree required; Graduate degree preferred or progressive work experience in addition to experience below
- 10+ years' experience required
- Proficient PC skills in MS Office and a variety of PC-based analytical and reporting software packages
- Experience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAS
- Working knowledge of SAS Enterprise Miner, FICO Model Builder or Angoss Knowledge Seeker
- Strong analytical and problem solving skills are required to interpret data and draw conclusions
- Flexibility to adapt to rapidly changing requirements
- Extremely strong attention to detail with ability to manage a range of tasks and prioritize
- Proven ability to develop and maintain productive business/peer relationships
- Superb written and verbal communication skills
- Experienced in developing and presenting recommendations to Senior Management
- Must be eligible for employment under regulatory standards applicable to the position.
Inclusiveness
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.
If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.
EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.
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