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Added 10 mins ago
CM
Manager - Procurement & Stores
Compass Minerals
Goderich, ON
- Full-time
We are currently hiring a Manager – Procurement & Stores to join the team at our Goderich Mine facility in Goderich, Ontario.
Added 2 hours ago
CO
STRATEGIC ENTERPRISE INTEGRATION & MODERNIZATION LEAD (DATA MANAGEMENT)
City of Toronto
Toronto, ON
- Full-time
The Strategic Enterprise Integration and Modernization (“SEIM”) Division within the City of Toronto, Office of the Chief Financial Officer and Treasurer provides business transformation and…
Added 2 hours ago
NB
Business Development Manager
National Bank of Canada
Montreal, QC
- Full-time
A career as a Business Development Manager in the Distribution team at National Bank Insurance means acting as a strategic partner to help our distribution channels grow and better support…
Added 6 hours ago
RI
General Manager – Boutique Hotel
Renard International Hospitality Search Consultants
Vancouver, BC
- Full-time
The General Manager will have overall responsibility for the hotel's operations, financial performance, sales strategy, guest experience, and food & beverage outlets. A major focus of the…
Added 6 hours ago
BA
Duty Maintenance Manager
British Airways
Toronto, ON
- Full-time
Handle the continuous development and improvement of procedures and facilities related to Line maintenance to improve efficiency and financial performance.
Added 6 hours ago
HT
IT Internal Auditor
Husky Technologies
Bolton, ON
- Full-time
…drive efficiency and effectiveness in financial processes, business operations and major initiatives. You will play a key role within the Internal Audit Department to test the effectiveness…
Added 7 hours ago
HT
Financial Manager - PLM (Product Line Mgmt)
Husky Technologies
Bolton, ON
- Full-time
We are looking for a high-impact Finance Manager FP&A to act as a true business partner to our Product Line leadership team.
Added 7 hours ago
HT
Manager, Internal Controls
Husky Technologies
Bolton, ON
- Full-time
Working with Internal Audit and the global Finance and Operations teams, the Manager, Internal Controls will play a critical role in Husky’s global financial reporting. This includes the…
Added 7 hours ago
C
Alliance / Partner Marketing Manager (Hyperscalers)
CGI
Toronto, ON
- Full-time
The Alliance / Partner Marketing Manager (Hyperscalers) plans and delivers joint marketing programs with CGI's strategic hyperscaler alliances: Microsoft, Amazon Web Services (AWS) and…
Added 8 hours ago
A
Lead Manager, Strategic Partnerships (Seoul-based)
Agoda
Toronto, ON
- Full-time
The ideal candidate brings strong business development and partnership experience, sound commercial judgment, analytical rigor, and the ability to influence internal and external…
Added 8 hours ago
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Lead Manager, Strategic Partnerships (Seoul-based)
Agoda
Vancouver, BC
- Full-time
The ideal candidate brings strong business development and partnership experience, sound commercial judgment, analytical rigor, and the ability to influence internal and external…
Added 8 hours ago
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Rogers Communications
Toronto, ON
Familiarity with dependency management (such as Swift Package Manager and Gradle) and modular app structure.
Added 8 hours ago
BK
Manager, Graphic Design, Burger King, Canada
Burger King
Toronto, ON
- Full-time
Restaurant Brands International is looking for a Manager, Graphic Design to join the Burger King Canada team. This is an exciting opportunity working alongside the Marketing team, leading…
Added 9 hours ago
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E-Commerce and Analytics Manager
travelbrands
Toronto, ON
- Full-time
The E-commerce & Analytics Manager will ensure data is used to drive business decisions and continually improve the online customer experience.
Added 9 hours ago
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Product Manager (Bangkok-based)
Agoda
Toronto, ON
- Full-time
…from conception to launch by bringing together engineering and business worlds. Agoda Product Managers work closely with executive leadership and have high visibility among the C-suite;…
Added 11 hours ago
SG
Assurance - Intermediate Associate, Accounting & Assurance
Segal GCSE LLP
Toronto, ON
- Full-time
Segal GCSE LLP is a rapidly growing mid-size accounting, tax and business advisory firm situated in midtown Toronto. Segal GCSE is committed to growth by investing in our team, providing…
Added 12 hours ago
TS
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TalentSphere Staffing Solutions
Ottawa, ON
- Full-time
This opportunity would take on greater technical ownership, leadership, client responsibility, business development, and influence, with a long-term path toward Principal-level leadership…
Added 12 hours ago
IW
Manager, Mortgage Operations
IG Wealth Management
ON · Ontario, Canada
- Full-time
Providing finance support as necessary on corporate and business development opportunities, including ad-hoc analysis, valuations and due diligence.
Added 12 hours ago
IW
Manager, Mortgage Operations
IG Wealth Management
MB · Manitoba, Canada
- Full-time
Providing finance support as necessary on corporate and business development opportunities, including ad-hoc analysis, valuations and due diligence.
Added 12 hours ago
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Assurance - Intermediate Associate, Accounting & Assurance
Segal GCSE LLP
Toronto, ON
- Contract
Segal GCSE LLP is a rapidly growing mid-size accounting, tax and business advisory firm situated in midtown Toronto. Segal GCSE is committed to growth by investing in our team, providing…
Added 12 hours ago
C
STORE MANAGER - YORKDALE
Celine
Toronto, ON
- Full-time
CELINE is currently seeking a STORE MANAGER to join it’s Toronto boutique.
Added 12 hours ago
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Software Development Manager, Books Discovery
Amazon
Toronto, ON
- Full-time
As a Software Development Manager, you will lead a collection of skilled, friendly people from all over the world and collaborate with business owners to build a clear roadmap of priorities…
Added 12 hours ago
SL
Business Portfolio Manager
Sun Life
Toronto, ON · Waterloo, ON · Sun Life Toronto One York
- Full-time
The Business Portfolio Manager role is responsible for leading and supporting key portfolio management activities across the SLGI portfolio. The role involves end-to-end portfolio oversight…
Added 12 hours ago
RB
Investment Advisor
Royal Bank of Canada
Toronto, ON
- Full-time
Experience in a direct marketing role, financial services and shown success in high value sales and business development, regardless of industry/discipline.
Added 12 hours ago
EG
Geotechnical Project Manager
Egis Group
Toronto, ON
- $110,000 to $150,000 CAD / year
- Full-time
Geotechnical Project Manager will provide technical and project leadership for geotechnical engineering assignments in Toronto, Ontario, supporting multidisciplinary teams delivering major…

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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