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Added 20 hours ago
B
Manager of Marketing Campaign Planning & Delivery
Blend360
Toronto, ON
- $45 to $50 CAD / hour
- Contract
Translate data and analytics findings into actionable recommendations for campaign planning and marketing strategy.
Added 20 hours ago
B
Manager of Marketing Campaign Planning & Delivery
Blend
Toronto, ON
- $45 to $50 CAD / hour
- Contract
Translate data and analytics findings into actionable recommendations for campaign planning and marketing strategy.
Added 1 day ago
EB
Senior Manager, Lifecycle Management Strategy
EQ Bank | Canada's Challenger Bank
Toronto, ON
- Full-time
The Senior Manager, Lifecycle Management Strategy, is the owner of lifecycle strategy for the credit card portfolio. The role defines and executes integrated product, marketing and digital…
Added 1 day ago
EB
Senior Manager, Lifecycle Management Strategy
EQ Bank
Toronto, ON
- Full-time
The Senior Manager, Lifecycle Management Strategy, is the owner of lifecycle strategy for the credit card portfolio. The role defines and executes integrated product, marketing and digital…
Added 1 day ago
Manager Credit Risk Governance Unsecured, Retail Credit Risk, Global Risk Management
Scotiabank
Toronto, ON
The Manager, Credit Risk Governance contributes to the overall success of Retail Credit Risk in Canada by providing effective challenge on Unsecured credit risk strategy and policy changes…
Added 3 days ago
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Senior Manager, Employee Expenses Category
RBC
Toronto, ON
- Full-time
Execute multi-year category strategy for travel, corporate cards, and expense applications; manage key vendor relationships and performance reviews
Added 3 days ago
RB
Senior Manager, Employee Expenses Category
Royal Bank of Canada
Toronto, ON
- Full-time
Execute multi-year category strategy for travel, corporate cards, and expense applications; manage key vendor relationships and performance reviews
Added 3 days ago
Manager, Unsecured Credit Risk
Scotiabank
Toronto, ON
The Manager, unsecured Credit Risk is to lead the development of any of originations or account management credit risk strategies and ongoing portfolio management for unsecured lending…
Added 3 days ago
Y
Growth & Product Specialist
YNCU
Kitchener, ON
- $83,000 to $90,000 USD / year
- Full-time
Drive Digital Account Growth: Own the end-to-end strategy, execution, and optimization of paid search (PPC) campaigns across Google and Meta to drive high-intent customer acquisition for…
Added 3 days ago
Manager, Portfolio Analytics & Insights
Scotiabank
Toronto, ON
The Manager, Portfolio Analytics & Insights is responsible for delivering high-quality portfolio monitoring, analytics, and insights for the Unsecured Lending portfolio.
Added 7 days ago
HB
Credit Analytics Risk Manager
HomeEquity Bank
Toronto, ON
- Full-time
In this role, you will be a key driver in advancing the Bank’s Credit Risk Management Program through data, analytics, and cross-functional collaboration, with expansion to areas like…
Added 8 days ago
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Manager, Product Management, Credit Cards & Unsecured Lending - Tangerine
Tangerine
Toronto, ON
- Full-time
At Tangerine, we’re redefining banking. As Canada’s leading digital bank, we thrive on innovation, agility, and bold thinking - using leading technology, data, partnerships, and the power…
Added 8 days ago
Manager, Product Management, Credit Cards & Unsecured Lending - Tangerine
Scotiabank
ON · Toronto, ON
At Tangerine, we’re redefining banking. As Canada’s leading digital bank, we thrive on innovation, agility, and bold thinking - using leading technology, data, partnerships, and the power…
Added 8 days ago
Manager, Unsecured Credit Risk
Scotiabank
Toronto, ON
The mandate of this role is to lead the development of any of originations or account management credit risk strategies and ongoing portfolio management for unsecured lending products…
Added 9 days ago
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Manager - Lending Strategy
BMO
Toronto, ON · BMOPLACE
- Full-time
The Manager, Unsecured Lending & Strategy Optimization is responsible for developing advanced analytical, machine learning, and AI-enabled capabilities to improve strategy effectiveness…
Added 9 days ago
Manager - Marketing Transformation & Loyalty
EY
Winnipeg, MB · Toronto, ON · Saskatoon, SK · Halifax, NS · St. John's, NL · Saint John, NB · London, ON · Vancouver, BC · Victoria, BC · Edmonton, AB · Ottawa, ON · Dieppe, NB · ON · AB · Calgary, AB · Waterloo, ON
Strong background in Marketing and Loyalty with expertise across customer strategy, customer experience, Martech, brand development, data and analytics, performance management,…
Added 9 days ago
Senior Manager - Marketing Transformation & Loyalty
EY
Winnipeg, MB · Toronto, ON · Saskatoon, SK · Halifax, NS · St. John's, NL · Saint John, NB · London, ON · Vancouver, BC · Victoria, BC · Edmonton, AB · Ottawa, ON · Dieppe, NB · ON · AB · Calgary, AB · Waterloo, ON
Strong background in Marketing and Loyalty with expertise across customer strategy, customer experience, Martech, brand development, data and analytics, performance management,…
Added 9 days ago
E
Senior Manager - Marketing Transformation & Loyalty
EY
Waterloo, ON
- Full-time
Strong background in Marketing and Loyalty with expertise across customer strategy, customer experience, Martech, brand development, data and analytics, performance management,…
Added 9 days ago
E
Manager - Marketing Transformation & Loyalty
EY
London, ON
- Full-time
Strong background in Marketing and Loyalty with expertise across customer strategy, customer experience, Martech, brand development, data and analytics, performance management,…
Added 9 days ago
E
Senior Manager - Marketing Transformation & Loyalty
EY
Saint John, NB
- Full-time
Strong background in Marketing and Loyalty with expertise across customer strategy, customer experience, Martech, brand development, data and analytics, performance management,…
Added 9 days ago
E
Manager - Marketing Transformation & Loyalty
EY
Saint John, NB
- Full-time
Strong background in Marketing and Loyalty with expertise across customer strategy, customer experience, Martech, brand development, data and analytics, performance management,…
Added 10 days ago
FB
Sr, Manager Digital Banking
Fairstone Bank
Toronto, ON
- Full-time
Together, we are the leading alternative lending bank in Canada. We have the collective experience and expertise to better serve our customers and foster our partners’ growth. With a…
Added 11 days ago
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Senior Manager, Proprietary Cards Canada
BMO
Toronto, ON · BMOPLACE
- Full-time
The Senior Manager, Proprietary Cards will support the Director of Proprietary Cards to drive substantial growth to BMO’s proprietary Mastercard credit card product portfolios. They will be…
Added 11 days ago
R
Senior Product Manager
Ratehub
Remote, Canada
- Full-time
- Remote
Ratehub is looking for a Senior Product Manager to join our growing Product team. Reporting directly to the Chief Product and Technology Officer, you will own the end-to-end product…
Added 12 days ago
PP
Senior Manager, Revenue, Growth and Strategy
Plaza Premium Group
Mississauga, ON
- Full-time
The Senior Manager, Revenue, Growth and Strategy is responsible for driving revenue growth through various channels including In-terminal sales conversations and digital engagement across…

Closed listing

Data Scientist - Credit Risk (ATH 5531)

Toronto, ON, Canada

$81,600 - $115,200 CAD · Full-time

This opening has closed.

The original listing is kept below for reference.

Find open jobs More jobs with this employer

About employer

Job details

Pay: $81,600 - $115,200 CAD
Job type: Full-time
Closing date: Oct 2, 2026
Posting language: English
Posted: Sep 18, 2026

Similar jobs hiring now

Added 3 hours ago
Senior Data Scientist – Life and Health
Co-operators · Mississauga, ON, Canada
Added 4 hours ago
Data Architect, Technology Data Management
TD · Toronto, ON, Canada
Added 16 hours ago
Data Scientist II
TD · Markham, ON, Canada · Toronto, ON, Canada
Added 16 hours ago
Data Scientist II
TD · Markham, ON, Canada · Toronto, ON, Canada

Search current openings

Original job description

Archived listing. The details below describe a past opening.

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

About employer

More about this job

Responsibilities

You will own and manage credit card portfolios by designing and optimizing credit strategies that balance growth, profitability, and risk appetite. This involves leveraging data analytics and AI tools to translate complex insights into actionable business recommendations for senior leadership.

Requirements

Candidates should have an undergraduate degree in a quantitative field and experience in credit risk, retail banking, or financial services. Strong SQL skills and the ability to influence stakeholders through data-driven storytelling are essential for success in this role.

Skills

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

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
Data Analytics
Strategy
Stakeholder Engagement
AI-enabled tools
Business Intelligence
Quantitative Analysis
Credit Cards
Personal Lending
Risk Appetite
Profitability
Customer Experience
Strategic Initiatives

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