Credit Risk Specialist (ATH 4996)

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Department Overview The Group Risk Management job family is accountable for the development and implementation of TD's risk management strategy, governance, policies, practices, programs, reporting and operating frameworks, regulatory affairs and operations associated with the Risk Management function. Credit Risk provides second line of defense oversight through review, analysis, inquiry, and discussion throughout the credit life cycle; roles focus on a comprehensive and diverse range of risk management expertise to the lines of business and control partners. The TD Retail Risk Management Credit Card and Personal Lending (RRM CC & PL) Strategy team is responsible for the development and execution of CC and PL automated credit adjudication strategies and initiatives that assist our product partners to achieve growth and profitability targets while maintaining the overall credit risk quality of CC and PL lending portfolio and ensuring portfolio performance within risk appetite.  Accountabilities include providing effective challenge on CC and PL Portfolio, as well as designing, implementing, and monitoring credit risk strategies. Job Description : This role reports to the Senior Manager of Origination, MBNA, ODP and Business Visa Credit Card. The successful candidate will join a dynamic and innovative team responsible for owning Business Visa (BVISA) credit strategies, monitoring portfolio performance, and providing effective challenge on credit risk activities including end‑to‑end ownership of the credit risk strategy design, implementation, and monitoring for BVISA new account originations. Key responsibilities include: Develop deep expertise in automated credit decisioning frameworks, including deterministic systems, predictive risk models, TD’s risk appetite, and credit lending strategies, with a focus on increasing automation and improving decision outcomes. Represent Retail Risk Management as a subject matter expert in the planning and delivery of new initiatives. Partner closely with cross‑functional stakeholders, including Credit Cards and Personal Lending Product, Retail Risk teams, Analytics, Technology, and other control functions, to deliver shared outcomes. Leverage advanced analytics and large‑scale data to identify opportunities to enhance credit decisioning frameworks, balancing business objectives with risk outcomes. Provide value‑add analysis, reporting, and monitoring to support risk oversight and business partner needs; act as a trusted advisor on a broad range of risk‑related matters. Mentor and develop junior team members, including championing cloud enablement and adoption of AI‑powered tools to drive improvements across the broader team. Lead the development, testing, and ongoing monitoring of automated risk processes. Own delivery of initiatives that drive risk efficacy and business growth, including concept development, senior management socialization, governance submissions, implementation, and post‑implementation oversight. Shape the future state of BVISA credit strategies across digital and assisted channels, driving alignment across Risk and