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Added 8 mins ago
Manager, Analytics
Scotiabank
Toronto, ON
The Manager, Analytics is responsible for leading a high-performing team of analytics professionals to deliver actionable insights that drive business strategy and performance across…
Added 8 mins ago
Senior Manager, Learning Design & Delivery - Toronto, ON
Scotiabank
Toronto, ON
Contributes to the overall success of Scotia Wealth Management and the Training and Development team by providing leadership of Wealth Management learning programs, including onboarding and…
Added 8 mins ago
Senior Supervisor Construction
Gibson Energy
Edmonton, AB · Hardisty, AB · AB · Calgary, AB
As the Senior Construction Supervisor, you’ll lead construction planning and execution across Gibson Energy’s growth and maintenance capital programs. You’ll provide leadership to field…
Added 8 mins ago
Global Mobility - Expatriate Tax - Manager - Vancouver
EY
Vancouver, BC
…and advisory solutions that enable mobility strategies and business…
Added 8 mins ago
Global Mobility - Expatriate Tax - Senior Manager - Toronto
EY
Toronto, ON
We are currently seeking a Senior Manager to join our People Advisory Services – Mobility Tax practice in Toronto. Our People Advisory Services practice (PAS) provides high-quality…
Added 8 mins ago
BS
Senior Project Manager
Blackline Safety
Calgary, AB
- Full-time
Blackline Safety is seeking an experienced Senior Project Manager to join our Business Information Technology (BIT) team. This role is responsible for leading a diverse portfolio of…
Added 8 mins ago
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Buyer
TalentMinded Inc.
Toronto, ON · Scarborough, ON
- Full-time
Reporting to the Purchasing Manager, our client is hiring a Buyer to manage sourcing and purchasing activities across a diverse portfolio of custom manufacturing projects. As our new Buyer,…
Added 23 mins ago
MH
Senior Growth Marketing Manager
Maya HTT
Remote, Canada
- Full-time
- Remote
…engineering services. Our Marketing team works closely with Sales, Business Development, and Strategic Partners to drive brand awareness, customer engagement, and pipeline growth across…
Added 23 mins ago
CI
Talent Acquisition Specialist
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- Full-time
Provide the Talent Acquisition Manager and HR Business Partners with updates on headcount requests and recruitment progress.
Added 23 mins ago
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Product Manager - Senior
isgSearch
Toronto, ON · Greater Toronto Area, Canada
- Full-time
Seeking a Senior Product Manager with mandatory healthcare experience to lead product strategy, roadmap development, and backlog prioritization for enterprise digital health integrations.…
Added 37 mins ago
B
Senior Analyst, Data Analytics & Automation Solutions
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Toronto, ON · FCP
- Full-time
The successful candidate will leverage automation, AI and analytics to solve business problems for our Wealth stakeholders. Understands and articulates the business case of business…
Added 37 mins ago
Sales & Marketing - Sales Manager
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Calgary, AB
…revenue targets, managing sales performance, and identifying new business opportunities across the Canadian market. The Sales Manager will work closely with Operations, Engineering, and…
Added 37 mins ago
Manager - Engineering, NGL
Wolf Midstream
Calgary, AB
…Investments). Wolf was formed in 2015 to focus on the acquisition and development of innovative midstream energy infrastructure assets in Western Canada. Wolf's long-term business plan,…
Added 37 mins ago
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Senior Channel Sales Manager- Banks
ADP
Mississauga, ON
- Full-time
…companies of all sizes focus less on work and more on success. As a Senior Channels Sales Manager at ADP, you'll enjoy competitive compensation, comprehensive benefits, and a supportive…
Added 38 mins ago
AE
Pattern Making Lead
Arc'teryx Equipment
North Vancouver, BC
- Full-time
Supporting the Manager, Pattern Making and Director, Product Development in building, coaching, and guiding a high performing team of technical Pattern Makers, and owning the day-to-day…
Added 38 mins ago
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GUCCI Manager of Client Engagement, Canada
Gucci
Toronto, ON
- Full-time
The Manager of Client Engagement, Canada, will lead planning and implementation of retail client development strategies across directly operated stores (DOS) and outlet locations that drive…
Added 53 mins ago
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Senior Software Development Engineer, Customer Success Engineering
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- Full-time
As a Senior Software Development Engineer, you will focus on driving innovation and expanding our new, next-generation Customer Success platform by architecting new workflows and launching…
Added 53 mins ago
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Pattern Making Lead
ARC'TERYX
North Vancouver, BC
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Supporting the Manager, Pattern Making and Director, Product Development in building, coaching, and guiding a high performing team of technical Pattern Makers, and owning the day-to-day…
Added 53 mins ago
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Project Manager - AdFarm
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- Full-time
You don’t make it 40 years in this business without good people behind you. At AdFarm, we are driving the evolution of agriculture, and it starts with hiring the right individuals.
Added 53 mins ago
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Senior Analyst, Reporting - Model Management and Analytics (5600)
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- Full-time
Reporting to the Sr. Manager, Capital Reporting and ECL staging of MMA, this role will work closely with the Model Development team, Chief Accountant's team, Enterprise Risk Management and…
Added 53 mins ago
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Director, Compliance - SLC Management
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Toronto, ON · Waterloo, ON · Sun Life Toronto One York
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Added 53 mins ago
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Senior Associate, Financial Controls - SLC Management
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Toronto, ON · Waterloo, ON · Sun Life Toronto One York
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This position will be reporting to the Senior Director of SLC Management Financial Controls. The successful candidate will have the opportunity to provide expert advice to the SLC…
Added 53 mins ago
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Senior Associate, Financial Controls - SLC Management
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Toronto, ON · Waterloo, ON · Sun Life Toronto One York
- Full-time
This position will be reporting to the Senior Director of SLC Management Financial Controls. The successful candidate will have the opportunity to provide expert advice to the SLC…
Added 53 mins ago
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Director, Compliance - SLC Management
SLC Management
Toronto, ON · Waterloo, ON · Sun Life Toronto One York
- Full-time
Assist in the development of practical compliance solutions for business initiatives.
Added 53 mins ago
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Sr. Manager, Workforce Readiness
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The Senior Manager, Workforce Readiness is responsible for designing, executing, and integrating change management strategies that support major technology, process, and organizational…

Data Scientist - Credit Risk (ATH 5749)

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 2, 2026
Posting language: English
Posted: Oct 28, 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 own and manage credit card portfolios by designing, implementing, and optimizing credit strategies to balance growth, profitability, and risk. You will also collaborate across cross-functional teams to translate complex data into actionable insights that drive business outcomes.

Requirements

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

Skills

SQL
Python
Databricks
Azure
Predictive modeling
Machine learning
Credit risk
Data analysis
Strategic thinking
Stakeholder management
Financial services
Portfolio management
Risk appetite
Business acumen
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
Retail Banking
SQL
Python
Databricks
Azure
Predictive Models
Machine Learning
Credit Decisioning
Portfolio Management
Risk Management
Financial Services
Data Analytics
Strategy
Stakeholder Engagement
Business Intelligence
Risk Appetite
AI-enabled tools
MBNA
Quantitative Analysis
Statistics
Economics
Engineering
Computer Science
Business Analytics
Consulting
Cross-functional collaboration
Strategic decision-making

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