Data Scientist II (Credit Risk and Product)

Work Location:

Hours:

Line of Business:

Pay Details:

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 candidates 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.

Job Description:

Department Overview:
Within CPB (Canadian Personal Banking) the Analytics Insights and Artificial Intelligence team supports the day-to-day activities of the CPB businesses by providing consultative support with data & analytics-based business insights and/or solutions to guide decision making and/or strategic planning. We work with business partners to address their analytics needs by providing end-to-end support of data reporting analytics insights and artificial intelligence solutions.

Job Description:

The Data Scientist II will report to the Senior Manager Data Science for Cards Product & Credit Strategy Analytics. You will be part of a team that supports optimization of credit card adjudication strategies as well as all credit card product and pricing initiatives.

Key Accountabilities include:

• Develop credit strategies including adjudication and account management for TD & MBNA Cards and Personal Lending products ensuring adequacy of risk and return through comprehensive data analysis leveraging machine learning techniques.
• Support new credit strategy development with advanced analytics and data science.
• Identify and manage credit and other associated risks related to Cards & Personal Lending Acquisition and Account Management.
• Undertake and complete a variety of complex analytic projects and initiatives requiring specialist knowledge and/or integration of cross functional processes.
• Produce insights and recommend business actions to support business strategy and/or solve business problems.
• Identify and recommend opportunities and drive initiatives that provide financial value supporting the business strategy.

Required Qualifications:

• Graduate or undergraduate degree in quantitative discipline such as management analytics statistics mathematics operations research economics computer science or engineering
• 2 years of experience performing advanced analytics or data science ideally for credit lending products.
• Experience in financial services industry with broad understanding of credit strategy risk management product management and analytics.
• Highly skilled in coding SQL and Python/PySpark.
• Strong interpersonal communication and presentation skills with the ability to create and articulate a compelling business case to senior management and other stakeholders.
• Strong analytical and problem-solving skills.
• A strong focus on attention to detail to produce high quality accurate and timely deliverables to meet deadlines.
• Ability to prioritize competing requests / multiple tasks in a deadline driven environment.
• Creative problem solver self-starter resourceful in getting things done.
• Machine Learning & AI: Hands-on experience with machine learning techniques including supervised and unsupervised learning reinforcement learning and causal inference. Familiarity with generative AI (GenAI) large language models (LLMs) and statistical inferencing

Who We Are:

TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we strive to make every interaction product and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to foster deeper relationships ensure disciplined execution and build a simpler faster banking experience. TD is deeply committed to being a leader in client experience that is why we believe that all colleagues no matter where they work are client facing. Together we are reimagining what banking can be for our clients colleagues and communities.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial physical and mental well-being goals. Total Rewards at TD includes a base salary variable compensation and several other key plans such as health and well-being benefits savings and retirement programs paid time off banking benefits and discounts career development and reward and recognition programs. Learn more

Additional Information:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations requirements.

Colleague Development

If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll have regular career development and performance conversations with your manager as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

If youre passionate about helping clients and building deep lasting relationships TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

Were committed to your success and foster a respectful workplace where diverse perspectives are valued everyone has fair opportunities to grow and you can unlock your full potential to achieve your career goals. Here at TD we hire and develop the best.

Training & Onboarding
We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process
Well reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
Your accessibility is important to us. Please let us know if youd like accommodations (including accessible meeting rooms captioning for virtual interviews etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):