The Quantitative Analytics Specialist at TD Bank's Credit Cards & Unsecured Lending (CCUL) Credit Management department is responsible for developing and maintaining statistical and machine learning models to predict credit risk throughout the customer lifecycle. This role involves providing specialized quantitative analysis and modeling support, leading the development of advanced quantitative models for pricing and risk management, and contributing to business results through in-depth understanding of models, markets, and business strategies.
Provide financial, analytical, modeling expertise to build quantitative models for business projects.,Conduct complex quantitative analysis as it applies to areas of responsibility, such as a specific model or portfolio.,Perform statistical model assumptions' tests for soundness of model theory.,Lead activities of unit, assigning, prioritizing and monitoring work.,Review model results and identify unexpected results.,Provide training and mentoring for new and less experienced staff.,Resolve escalated issues and problems by conferring with staff.,Develop specialized analytical tools for projects or ongoing use.,Develop and maintain strong business relationships with business line management.,Integrate knowledge of the enterprise sub-function's or business line's overarching strategy in developing solutions.,Interpret internal/external business challenges and the industry environment, recommend course of action and best practices to improve products, processes or services.,Act as a technical expert / lead integrating cross-function understanding within their own field of specialty.,Lead cross-functional teams or projects with significant resource requirements, risk and / or complexity.,Independently manage end-to-end functional programs.,Solve or may lead others to solve complex problems; lead efforts or partner with others to develop new solutions.,Communicate difficult concepts; convert information to compelling business context and advice; influence and gain alignment across increasingly senior stakeholders.,Understands and supports the Bank's Customer Service Strategy.,Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers.,Models quality service delivery at every interaction.,Leads and contributes to the ongoing improvement of the partner / Customer experience.,Provides senior level support in the identification and assessment of risks and recommends policies for modelling these risks.,Perform quantitative analysis, programming and computer modelling related to the research of consistent operational risk measurements.,May assist with creation and oversight of model documentation.,Adhere to enterprise frameworks or methodologies.,Ensure respective programs/policies/practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities.,Consistently exercise discretion in managing correspondence, information and all matters of confidentiality.,Ensure business operations follow applicable internal and external requirements.,Participate in cross-functional / enterprise / initiatives as a subject matter expert.,Conduct internal and external research projects.,Monitor service, productivity and assess efficiency levels within own function and implement continuous process / performance improvements.,Lead / facilitate and/or implement actions / remediation plans to address performance / risk /governance issues.,Actively manage relationships within and across various business lines.,Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts.,Maintain a culture of risk management and control.,Be engaged in advancing and sustaining a unique, inclusive culture.,Participate fully as a member of the team and contribute to a positive work environment.,May provide leadership, training, and guidance to other team members.,Ensures ongoing communication with the team on the status / progress of projects and issues / points of interest.,Actively shares information and knowledge, and proactively learn from the expertise of others.,Participate in personal performance management and development activities.,Contribute to team development of skills and capabilities through mentorship of others.,Lead, motivate and develop relationships with internal and external business partners.,Contribute to a fair, positive and equitable environment that supports a diverse workforce.,Act as a brand ambassador for your business area/function and the bank.
Undergraduate degree required, advanced technical degree preferred (e.g., math, physics, engineering, finance or computer science).,Graduate's degree preferred with either progressive project work experience or 5+ years relevant experience.,In-depth knowledge of quantitative models and statistical analysis.,Proven interpersonal and consultative communication skills with well-developed presentation skills.,Ability to successfully plan, develop, lead, and execute projects.,Ability to effectively interpret, select appropriate techniques, take independent action, communicate, and follow-through.,Proven ability to manage competing priorities effectively, making good decisions based on business priorities and objectives.,Comprehensive practical knowledge of quantitative forecasting models, financial analysis techniques and methodologies.,Demonstrated knowledge of financial analysis and planning software applications.,Proven ability to employ complex analytical tools and statistics to perform analysis and forecasting of financial and other business information.,Proficiency in Microsoft Office tools to prepare and present analysis results to the audience.,Ability to exercise sound judgment in making decisions.,Ability to analyze complex information and develop plans to address identified issues.,Demonstrated skills in conflict resolution, strong intuitive judgment and negotiation/influencing skills, flexibility and adaptability to changing priorities in a fast-paced environment, along with a strong consultative approach.,Skill in collecting, organizing and analyzing complex or technical data.,Skill in using logic and reasoning to identify the strengths and weaknesses of alternative situations, conclusions or approaches to problems.,Skill in active learning by understanding the implications of new information for both current and future problem solving and decision making.,Skill in identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.,Skill in decision making by considering relative costs and benefits of potential actions and choosing the most appropriate option.,Ability to determine which issues to escalate versus to resolve independently, and provide suggestions for possible resolution.,Ability to combine pieces of information to form general rules or conclusions.,Ability to evaluate documents for accuracy and legal conformance.,Ability to anticipate and diffuse problems before they occur.,Ability to conduct short-range and long-range business planning.,Ability to develop objectives, evaluate effectiveness and assess needs.,Ability to recognize, analyze and solve a variety of problems.,Ability to implement new systems and procedures and to evaluate their effectiveness.,Ability to problem solve a variety of situations.,Ability to contribute to strategic direction of the function and provide advice to senior leadership.,Ability to think strategically and possess strong business acumen.,Advanced skills in SAS and SQL.,Advanced level in statistical analysis and modeling tools.,PhD Degree in quantitative area (Preferred).,Financial institution experience (Preferred).,Strong modeling background (Scorecard model development experience preferred).,Experience interpreting/explaining complex mathematical problems to stakeholders (Preferred).,Presentation experience (Preferred).
Undergraduate Degree
40 hours/week
Domestic Travel – Occasional
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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