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Added 18 days ago
ZC
Machine Learning Engineer
Zurich Canada
Waterloo, ON
- Full-time
Relevant experience: Databricks, Spark/PySpark, Delta Lake, Python, SQL, batch/streaming architectures, feature management, data-quality testing, lineage, cloud storage/compute, CI/CD and…
Added 18 days ago
R
Senior Manager, Forecast Delivery, Personal and Commercial Operations- EN
RBC
Montreal, QC
- Full-time
Proficiency in SQL and/or general-purpose programming languages (e.g., Python)
Added 18 days ago
OH
Senior Quality Assurance Engineer
Ontario Health | Santé Ontario
Toronto, ON
- Full-time
The Senior Quality Assurance Engineer is responsible for ensuring the quality, reliability, and performance of digital solutions through manual and automated testing. The role leads testing…
Added 18 days ago
TH
Product Manager, Advanced Analytics, Tim Hortons, Canada
Tim Hortons
Toronto, ON
- Full-time
Familiarity with data analysis languages (e.g. SQL & Python) and modern data tools (e.g., Databricks, Snowflake, AWS, Datadog, Adobe) and analytics visualization tools.
Added 18 days ago
Senior Demand Planner
HelloFresh
Toronto, ON
Proficiency in demand planning software and tools (Google Sheets, Excel, SQL, Python, Tableau) complemented with exceptional analytical and problem solving skills
Added 18 days ago
T
Senior Data Engineer
TEEMA
Vancouver, BC
- $70 to $95 CAD / hour
- Contract
Build scalable data solutions using Databricks, Delta Lake, Delta Live Tables (DLT), Python, Spark, and SQL.
Added 18 days ago
I
Database Automation Test Engineer
INFOYA
Toronto, ON
- $75,000 to $80,000 CAD / year
- Full-time
experienced Senior Automation Engineer with strong expertise
Added 18 days ago
RB
Senior Manager, Forecast Delivery, Personal and Commercial Operations
Royal Bank of Canada
Toronto, ON
- Full-time
Proficiency in SQL and/or general-purpose programming languages (e.g., Python)
Added 18 days ago
OM
Research Analyst
Omnicom Media
Toronto, ON
- Full-time
Experience with Advanced Analytical Tools: Experience with analytical tools such as DisplayR, SPSS, Q, R, Python, or SQL is a plus.
Added 18 days ago
N
Senior Data Engineer, Analytics
nesto
Vancouver, BC
- Full-time
Design and maintain ELT pipelines from SQL Server, Azure SQL, REST APIs and SaaS platforms, with incremental loads, safe reruns and clear failure handling.
Added 18 days ago
T
Data Scientist - Credit Risk (ATH 5531)
TD
Toronto, ON
- Full-time
Reporting to the Senior Manager, Credit Strategy, you'll support the MBNA and other credit card portfolios by combining analytics, strategic thinking, and stakeholder collaboration to solve…
Added 18 days ago
T
Full Stack .NET Developer
Techso
Montreal, QC
- Full-time
Techso is looking for a Senior Full Stack .NET Developer to help design and develop digital solutions used by our clients across Canada.
Added 18 days ago
C
Sr. Consultant, Full Stack Developer
CIBC
Toronto, ON
- Full-time
…change the way that people bank. As a Consultant, Full Stack Developer, you’ll assist in developing, testing, and supporting the implementation of cross-functional, multi-platform…
Added 18 days ago
Senior Manager, Expense Oversight and Transparency - Finance
Scotiabank
Toronto, ON
Data Analytics experience using SQL and Python is highly desirable
Added 18 days ago
FS
Senior Platform Engineer, Performance Management
Four Seasons Hotels and Resorts
Toronto, ON · Four Seasons Corporate Headquarters Toronto
- Full-time
The Senior Platform Engineer is responsible for managing the technical delivery lifecycle of Dynamics 365 Finance & Operations (D365 F&O), including source control, branching strategies,…
Added 18 days ago
Data Engineer Sr
Insight Enterprises, Inc.
Toronto, ON
We are seeking a Senior Data Engineer to design, build, and optimize modern data platforms that enable analytics, reporting, operational intelligence, and AI-driven solutions.
Added 18 days ago
I
Database Automation Test Engineer
Infoya
Toronto, ON
- $75,000 to $80,000 CAD / year
- Full-time
Develop reusable automated test scripts using Python, SQL, or equivalent technologies.
Added 18 days ago
T
Full Stack Java Developer
Techso
Montreal, QC
- Full-time
Techso is looking for a Senior Full Stack Java Developer to help design and develop digital solutions used by leading clients in Montreal and internationally.
Added 18 days ago
Data Analyst, Investment Data Architecture
Connor, Clark & Lunn Financial Group Ltd.
Toronto, ON
SQL is an asset; familiarity with Python, PySpark, Lakehouse architecture, Microsoft Fabric or similar data platforms is a plus.
Added 18 days ago
Data Analyst, Investment Data Architecture
Connor, Clark & Lunn Financial Group Ltd.
Vancouver, BC
SQL is an asset; familiarity with Python, PySpark, Lakehouse architecture, Microsoft Fabric or similar data platforms is a plus.
Added 18 days ago
D
Senior Software Developer
DNV
Toronto, ON
- Full-time
The Senior Software Developer is responsible for designing, developing, and maintaining data services, APIs, backend systems, and AI-ready data foundations that support scalable platform…
Added 18 days ago
Reporting Data Analyst - 12 Month Contract
The Canada Life Assurance Company
Winnipeg, MB · London, ON
Demonstrated experience in working with data analytics tools (SQL, Python), Databases (SQL Server), Cloud (Azure, Databricks), data visualisation tools (Power BI) with experience at…
Added 18 days ago
C
Senior Data Scientist
Capgemini
Kamloops, BC
- Full-time
Strong proficiency in Python, SQL, MLOps, and modern AI/ML development frameworks (Scikit-learn, TensorFlow, PyTorch, Hugging Face, AWS Sagemaker, etc.)
Added 18 days ago
C
Senior Data Scientist
Capgemini
Kamloops, BC
- Full-time
Strong proficiency in Python, SQL, MLOps, and modern AI/ML development frameworks (Scikit-learn, TensorFlow, PyTorch, Hugging Face, AWS Sagemaker, etc.)
Added 18 days ago
T
Information Security Specialist (Vulnerability Management Data Insights & Reporting )
TD
Toronto, ON
- Full-time
Extract and transform large data sets using approved methods such as REST APIs, scheduled exports, SQL or query tools, Python, PowerShell, or equivalent technologies when analysis cannot be…

Data Scientist - Credit Risk (ATH 5531)

Toronto, ON, Canada

$81,600 - $115,200 CAD · Full-time

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Job details

Pay: $81,600 - $115,200 CAD
Job type: Full-time
Posting language: English
Posted: Oct 20, 2026

Original job description

Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Risk Management

Pay Details:

$81,600 - $115,200 CAD

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.

Job Description:

Department Overview

The Retail Risk Management Credit Cards & Personal Lending Strategy team develops and manages credit strategies that drive customer and business outcomes. We combine analytics, strategic thinking, and stakeholder influence to balance growth, profitability, customer experience, and risk appetite. We don't stop at generating insights. We ask "So what?" and "Why should we care?", then turn those insights into actions that shape portfolio performance. Along the way, we leverage modern analytics and AI-enabled tools to improve productivity, accelerate insights, and focus on higher-value strategic decisions.

Job Description

Reporting to the Senior Manager, Credit Strategy, you'll support the MBNA and other credit card portfolios by combining analytics, strategic thinking, and stakeholder collaboration to solve business problems and drive meaningful outcomes. You'll work across Product, Fraud, Technology, Operations, and Model Development to drive business growth.

Around here, finding an insight is just the start. The real value comes from answering "So what?" and "Why should we care?", building support for an idea, and helping turn it into action.

Because finding an insight is interesting. Turning it into a business outcome is where the fun starts.

What You'll Do

Own a portfolio, strategy, or business problem area end-to-end. Become the trusted expert, understand where it's headed, and challenge how it's done today.
Use data, analytics, and business insight to identify opportunities, improve credit strategies and customer outcomes, and answer not just "what happened?", but "so what?" and "what should we do about it?"
Design, implement, monitor, and optimize credit strategies that balance growth, customer experience, profitability, and risk appetite.
Influence decisions, build stakeholder support, and drive alignment across Product, Model Development, Fraud, Technology, Operations, and senior leadership.
Challenge assumptions, ask tough questions, and provide effective challenge on portfolio performance, emerging risks, and strategic initiatives.
Translate complex data into clear, compelling recommendations that drive action and influence executive decision-making.
Monitor portfolio performance, identify emerging opportunities and risks, evaluate new models, tools, and capabilities, and recommend actions to improve credit decisioning and portfolio outcomes.
Leverage modern analytics and AI-enabled tools to improve efficiency, accelerate insights, and support strategic decision-making.

What Makes Someone Successful in This Role

You have an ownership mindset. You treat your portfolio like it's your business, not just your assignment, and take pride in making it stronger over time.
You're naturally curious and aren't afraid to ask "why?" more than once.
You enjoy connecting dots across data, business objectives, stakeholder perspectives, and customer outcomes.
You're equally comfortable working with data, senior leaders, and skeptical stakeholders.
You don't stop when you've found an interesting insight. You keep going until you've figured out what should happen next.
You enjoy building relationships, influencing decisions, and bringing people together around a common goal.
You can simplify complex analysis into a clear, compelling story that drives action and helps turn ideas into reality.

What You'll Bring

Technical & Analytical Skills

Experience using data and analytics to solve business problems and influence strategic decisions.
Ability to translate analysis into clear recommendations, not just findings.
Strong SQL skills and experience working with large, complex data sets.
Exposure to Python, Databricks, Azure, predictive models, machine learning, credit decisioning tools, or AI-enabled productivity tools is an asset.
Strong attention to detail and a healthy skepticism of results that seem "too good to be true."

Business & Risk Acumen

Experience in Credit Risk, Retail Banking, Financial Services, or a related analytical field.
Understanding of consumer lending, credit decisioning, portfolio management, or risk strategies is an asset.
Ability to balance customer, business, and risk considerations when making recommendations.
Strong problem-solving skills and sound judgment.

Communication & Leadership

Exceptional relationship management and stakeholder engagement skills.
Ability to influence without authority and build alignment across diverse teams.
Strong written and verbal communication skills, including presenting to senior audiences.
Ability to simplify complex concepts and tell a compelling story with data.
Comfortable navigating ambiguity, competing priorities, and constructive debate.

Education & Experience

We're more interested in your ability to solve problems, influence decisions, and drive outcomes than a specific academic path. Successful candidates will typically have:

Undergraduate degree in a quantitative discipline such as Mathematics, Statistics, Economics, Engineering, Computer Science, Business Analytics, or a related field.
Experience in Credit Risk, Retail Banking, Financial Services, Strategy, Analytics, Consulting, or a related field.
Experience using data to influence business decisions and recommendations.
Experience managing complex stakeholder relationships and delivering cross-functional initiatives.
Graduate degree or experience with predictive analytics, machine learning, or credit decisioning tools is considered an asset.

Who We Are:

TD is one of the world's 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 95,000 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:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re 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 you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll 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 you’re 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.

We're 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 you’ve got everything you need to succeed in your new role.

Interview Process
We’ll 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 you’d 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):

Sans Objet

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More about this job

Responsibilities

You will design, implement, and optimize credit strategies for credit card portfolios while balancing growth, profitability, and risk appetite. You will also collaborate with cross-functional teams to translate complex data insights into actionable business recommendations.

Requirements

Candidates should have an undergraduate degree in a quantitative field and experience in credit risk, financial services, or analytical roles. Strong SQL skills are required, with proficiency in Python, machine learning, and predictive modeling considered significant assets.

Skills

SQL
Python
Databricks
Azure
Predictive modeling
Machine learning
Credit risk analysis
Portfolio management
Strategic thinking
Stakeholder engagement
Data analysis
Financial services
Risk appetite management
Problem solving
Communication

Benefits

Health and well-being benefits
Savings and retirement programs
Paid time off
Banking benefits and discounts
Career development
Reward and recognition programs

Visa sponsorship

Not detected in the job text

Keywords

Data Scientist
Credit Risk
Risk Management
SQL
Python
Databricks
Azure
Predictive Models
Machine Learning
Credit Decisioning
Retail Banking
Financial Services
Portfolio Management
Strategy
Analytics
AI-enabled tools
Stakeholder Management
Data Analysis
Risk Appetite
Business Intelligence

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