Applied Machine Learning Scientist II (Retail) 4031
Description
This role is for an Applied Machine Learning Scientist II in the Retail Model Development (RMD) team. The individual will be responsible for developing retail scorecard models used in TD's adjudication, account management, or collection strategies. Key responsibilities include collaborating with business partners, data extraction and analysis, feature engineering, applying machine learning algorithms like XGBoost and Neural Networks, analyzing model performance, documenting modeling steps, supporting validation and compliance, collaborating on model implementation and monitoring, and exploring new data and methodologies for credit scorecards.
What We're Looking For
Discuss business needs with LoB partners and scope the model target/use case before development.,Extract data from data warehouses and analyze data quality of existing features from large datasets.,Apply appropriate data preparations such as missing imputation or outlier treatment.,Ensure business insights are incorporated in the data manipulation stage.,Maintain exceptional code quality tracing all data operations.,Engineer additional features if needed, such as transactional data aggregation or trends.,Use Machine Learning (ML) algorithms (e.g., XGBoost, Neural Network) to fit scorecard models.,Analyze cross-validation results to improve hyperparameter tuning and model performance.,Analyze feature contribution of ML models with attribution tools (e.g., SHAP, LIME).,Document modeling steps, decisions, and performance/bias/fairness test results.,Support additional analysis requests from validation or compliance partners.,Collaborate with model implementation and monitoring teams.,Explore next-gen data or methodology for retail credit scorecards (e.g., open banking data, Gen AI modeling framework).,Contribute to codebase pipeline enhancement related to data preparations and model development routines.
Ideal Candidate
Advanced degree in Science, Technology, Engineering, or Mathematics (STEM) areas (e.g., Mathematics, Physics, Engineering, Computer Science).,3+ years of relevant experience in quantitative credit risk modeling and analytics.
Minimum Education
Advanced Degree (STEM)
Hard Skills
Soft Skills
Work Hours
37.5 hours/week
Benefits
Special Commitments
Subject to provincial regulation for employment purposes.
About the Company
The Toronto-Dominion Bank
The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Group, one of the largest banks in North America. TD provides a wide range of personal, commercial, and investment banking products and services to over 27 million customers globally. Headquartered in Toronto, Canada, the bank operates through key segments including Canadian Retail, U.S. Retail, and Wholesale Banking.
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