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Added 2 mins ago
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Operations Manager
BEST - For A Cleaner World
Calgary, AB
- $100,000 to $125,000 CAD / year
- Full-time
We’re looking for experienced Operations Managers to own a large regional portfolios in Alberta. This is a leadership role with real P&L accountability, a strong operational team behind…
Added 2 mins ago
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Senior Marine Specialist
Seaspan
Victoria, BC
- Full-time
Reporting to the Senior Manager, In-Service Support, the incumbent will work closely with Engineers, Integrated Logistics Support specialists, Supply Chain Management, Suppliers, Customers…
Added 2 mins ago
AC
Account Director- Integrated
AIP Connect
Toronto, ON
- Full-time
Function as primary point of contact for mid-to-senior client (eg./ Brand Manager to Senior Brand Manager).
Added 2 mins ago
Senior Engineer, Facility & Mechanical Integrity
Inter Pipeline Ltd.
AB · Strathcona County, AB
Support safe and reliable operation of HPC assets through collaboration with Operations, Reliability, Maintenance, Process Engineering, Process Safety, and Turnaround teams.
Added 2 mins ago
RB
Sr. Manager, Content & Community Management, Tim Hortons, Canada (Fixed Term - 12 months)
Restaurant Brands International
Toronto, ON · Corp - Toronto Corporate Office
- Full-time
· Support on communication and project management between key business stakeholders, external partners and senior leadership team members.
Added 3 mins ago
AM
Senior Manager, Multi Carrier Asset Operations
A.P. Moller - Maersk
Vancouver, BC
- Full-time
We are seeking an experienced Senior Manager, Multi Carrier Asset Operations to lead daily transportation and fleet operations across Canada. Reporting to the Area Head of First Mile and…
Added 3 mins ago
Senior Regional Insurance Manager Contact Centre
Scotiabank
Toronto, ON
The role is responsible for ensuring individual goals, plans and initiatives are executed and delivered in support of the team’s business strategies and objectives. The Senior Regional…
Added 3 mins ago
Associate Director- ECM Business Management
Scotiabank
Toronto, ON
Working closely with members of the business management team, head of and senior leaders within ECM, CIB Sector Heads, Finance, Communications, Business Risk Management, Compliance,…
Added 15 mins ago
Senior Manager, Vancouver Laboratory
Bureau Veritas
Vancouver, BC
Reporting to the Director, Operations – Minerals Canada, the Senior Manager, Vancouver Laboratory is responsible for overall operations management of the Vancouver Minerals Laboratory, who…
Added 17 mins ago
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Payroll Supervisor
Marberg Staffing
Toronto, ON
- $45.82 to $67.53 CAD / hour
- Temporary
Position Reports To: Manager, Finance and Payroll
Added 19 mins ago
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Culinary Manager
COGIR Real Estate
Kitchener, ON
- Full-time
…our Regional and National teams, who will provide guidance, support, and mentorship. Their expertise and insights will help you reach your full potential as a Culinary…
Added 19 mins ago
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Analyst, Corporate Compliance (Contract) 12 months
Canadian Tire Corporation
Oakville, ON
- Full-time
Reporting to the Manager or Director, Corporate Compliance, the Senior Analyst, Corporate Compliance supports the Bank’s Regulatory Compliance Management (RCM) Program by assisting in the…
Added 19 mins ago
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Senior Manager, QC Microbiology
Goldbeck Recruiting
Vancouver, BC
- $135,000 to $170,000 CAD / year
- Full-time
They are looking for a highly skilled Senior Manager, QC Microbiology to lead GMP QC-Micro operations at their biological Drug Substance (DS) clinical manufacturing facility in Vancouver,…
Added 19 mins ago
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Maintenance Manager- 5 Month Contract
COGIR Real Estate
Maple Ridge, BC
- Full-time
As our next Maintenance Manager you are a maintenance professional ready to engage in hands-on tasks when needed. As a working manager, you will guide the environmental services team in…
Added 33 mins ago
Sr. Manager, SIOP and Planning (Sales, Inventory, Operations Planning)
L3Harris Technologies
ON · Waterdown, ON
Reporting to the Director of Operations, the Senior Manager, SIOP & Planning serves in a key leadership role, providing strategic direction for the Sales, Inventory & Operations Planning…
Added 33 mins ago
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Senior Finance Manager
Tlicho Community Builders Ltd.
Yellowknife, NT
- Full-time
The Senior Finance Manager is responsible for leading the financial management, accounting operations, financial reporting, budgeting, forecasting, and financial analysis functions for…
Added 33 mins ago
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Electrician - Etobicoke - Plant Maintenance
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Brampton, ON
- Full-time
Reporting to the Manager, Facilities, the incumbent will work as a part of the Engineering and Maintenance team in a complex electrical systems environment to maintain, repair, install,…
Added 46 mins ago
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Software Developer (Agentic AI & Automation) - Entry Level/Intermediate
Cliniconex
ON · Kanata, Ontario
- Full-time
…having a team that connects effectively. Whether it's day-to-day operations or an emergency, teams need to be on the same page, and that's why we make healthcare communication and…
Added 46 mins ago
Assistant Manager
Northland Properties
BC · Langley Township, BC
Working with the General Manager, some of your responsibilities will include:
Added 46 mins ago
CS
Maintenance Manager- 5 Month Contract
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Maple Ridge, BC · Sunwood
- Full-time
As our next Maintenance Manager you are a maintenance professional ready to engage in hands-on tasks when needed. As a working manager, you will guide the environmental services team in…
Added 47 mins ago
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Operating Expense, Manager - Danone Canada
Danone
Toronto, ON
- $75,000 to $110,000 CAD / year
- Full-time
Reporting to the Senior FP&A Manager, the OPEX Manager leads the consolidation, forecasting and performance analysis of Advertising and Promotion and overhead expenses. This role acts as a…
Added 48 mins ago
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Operating Expense, Manager - Danone Canada
Danone
Boucherville, QC
- $75,000 to $110,000 CAD / year
- Full-time
Reporting to the Senior FP&A Manager, the OPEX Manager leads the consolidation, forecasting and performance analysis of Advertising and Promotion and overhead expenses. This role acts as a…
Added 48 mins ago
D
Operating Expense, Manager - Danone Canada
Danone
Boucherville, QC
- $75,000 to $110,000 CAD / year
- Full-time
Reporting to the Senior FP&A Manager, the OPEX Manager leads the consolidation, forecasting and performance analysis of Advertising and Promotion and overhead expenses. This role acts as a…
Added 48 mins ago
HR
SAP Senior Functional Specialist FICO/PS
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Toronto, ON
- Full-time
Engage with managed service partner’s delivery manager to ensure quality of service (QoS) for the Operations team.
Added 1 hour ago
RP
Senior Property Manager - Greater Toronto Area
Rhapsody Property Management Services
Toronto, ON
- $110,000 to $120,000 CAD / year
- Full-time
As a Senior Property Manager, you will lead high-performing team committed to delivering a best-in-class resident experience. With a focus on financial performance, budgeting, and…

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
Apply by: Nov 19, 2026
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

Own and optimize credit strategy or portfolio areas by analyzing performance, identifying opportunities and risks, and recommending actions that balance growth, customer experience, profitability, and risk appetite. Collaborate across business and technical teams, influence stakeholders and senior leaders, and translate complex analysis into decisions and measurable business outcomes.

Requirements

Candidates typically have an undergraduate degree in a quantitative or related discipline and experience in credit risk, banking, financial services, strategy, analytics, consulting, or a related field. The role calls for strong SQL and analytical skills, business and risk judgment, and the ability to communicate insights and influence stakeholders; experience with Python, cloud and analytics platforms, predictive models, machine learning, or credit decisioning tools is an asset.

Skills

SQL
Data Analytics
Credit Risk
Credit Strategy
Portfolio Management
Credit Decisioning
Python
Databricks
Azure
Predictive Analytics
Machine Learning
Stakeholder Engagement
Strategic Decision-Making
Data Storytelling
Risk Management
Cross-Functional Collaboration

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

Credit Risk
Retail Banking
Credit Cards
Personal Lending
Credit Strategy
Portfolio Management
Credit Decisioning
Risk Management
SQL
Python
Databricks
Azure
Predictive Analytics
Machine Learning
Artificial Intelligence
Data Analytics
Large Data Sets
Model Development
Fraud
Customer Experience
Profitability
Risk Appetite
Stakeholder Engagement
Strategic Decision-Making
Cross-Functional Collaboration
Business Recommendations
Portfolio Performance
Consumer Lending
Financial Services
Data Storytelling

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