Collections Strategy Manager (US) in Wilmington

The Collections Strategy Manager manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, exposure management, risk segmentation, and financial return optimization. The Risk Manager II provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensure decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines. The Risk Manager II investigates, creates, implements and validates various risk segmentation strategies and policies using complex data including cohort time series analysis of PCL, Marketing Investments, Decision Expense, Risk Adjusted Revenue, Risk Adjusted Margin, NPV, ROE, etc. with limited guidance from the manager.

Depth & Scope

• 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

Education & Experience

• 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 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 prioritise
• 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

Preferred Qualifications

• Located in the Wilmington, Delaware area
• Prior experience working on large portfolio credit cards collections strategies
• Experience working with analytical tools (i.e. SAS, Python, CHAID)

Physical Requirements

• Domestic Travel – Occasional
• International Travel – Never
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds – Occasional
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching forward – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• Concentrating for long periods of time – Continuous
• Applying common sense to deal with problems involving standardized situations – Continuous
• Reading, writing and comprehending instructions – Continuous
• Adding, subtracting, multiplying and dividing – Continuous

Notes: The above statements are intended to describe the general nature and level of work being performed. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed responsibilities and duties are considered essential functions for ADA purposes.

Who We Are

TD is one of the world's leading global financial institutions and the fifth largest bank in North America by branches/stores. TD believes in client-facing service and aims to deliver a simple, human banking experience for millions of households and businesses worldwide.

Additional Information

We offer a Total Rewards package that includes base salary and variable compensation, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and recognition programs. Learn more. TD is an equal opportunity employer and provides accommodations for applicants with disabilities upon request.

Accommodation: If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com with your full name, best way to reach you, and the accommodation needed.