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Added 12 mins ago
CO
Temporary Solutions Integration Specialist (up to 8 months)
City of Saint John
Saint John, NB
- Temporary
Under the direction of the IT Manager, the position is responsible for administration, implementation, and maintenance of the City’s website, web-based applications, software, data…
Added 12 mins ago
B
Bilingual Account specialist, High Value at Risk (HVAR)
BMO
MB · Manitoba, Canada
- Part-time
…not limited to, coaching and training, quality audits, vendor management and credit collection…
Added 12 mins ago
B
Account specialist, High Value at Risk (HVAR)
BMO
MB · Manitoba, Canada
- Part-time
…not limited to, coaching and training, quality audits, vendor management and credit collection…
Added 12 mins ago
B
Account specialist, High Value at Risk (HVAR)
BMO
Quebec, QC
- Part-time
…not limited to, coaching and training, quality audits, vendor management and credit collection…
Added 12 mins ago
B
Bilingual Account specialist, High Value at Risk (HVAR)
BMO
YT · Yukon Territory, Canada
- Part-time
…not limited to, coaching and training, quality audits, vendor management and credit collection…
Added 12 mins ago
B
Account specialist, High Value at Risk (HVAR)
BMO
BC · British Columbia, Canada
- Part-time
…not limited to, coaching and training, quality audits, vendor management and credit collection…
Added 12 mins ago
B
Bilingual Account specialist, High Value at Risk (HVAR)
BMO
AB · Alberta, Canada
- Part-time
…not limited to, coaching and training, quality audits, vendor management and credit collection…
Added 12 mins ago
B
Account specialist, High Value at Risk (HVAR)
BMO
YT · Yukon Territory, Canada
- Part-time
…not limited to, coaching and training, quality audits, vendor management and credit collection…
Added 12 mins ago
B
Account specialist, High Value at Risk (HVAR)
BMO
NL · Newfoundland and Labrador, Canada
- Part-time
…not limited to, coaching and training, quality audits, vendor management and credit collection…
Added 12 mins ago
B
Bilingual Account specialist, High Value at Risk (HVAR)
BMO
NU · Nunavut, Canada
- Part-time
…not limited to, coaching and training, quality audits, vendor management and credit collection…
Added 12 mins ago
B
Bilingual Account specialist, High Value at Risk (HVAR)
BMO
NL · Newfoundland and Labrador, Canada
- Part-time
…not limited to, coaching and training, quality audits, vendor management and credit collection…
Added 12 mins ago
B
Account specialist, High Value at Risk (HVAR)
BMO
NU · Nunavut, Canada
- Part-time
…not limited to, coaching and training, quality audits, vendor management and credit collection…
Added 12 mins ago
CO
Application & Integration Technical Analyst
City of Saint John
Saint John, NB
- Full-time
Under the direction of the designated IT Manager, the Application and Integration Technical Analyst is a technical lead responsible for system architecture, data strategy, and integration…
Added 12 mins ago
A
Business Planner
Artika
Montreal, QC
- Full-time
Intégration des produits et gestion des données : Gérer toute l'information sur les produits et collaborer avec les détaillants partenaires pour intégrer les nouveaux produits, créer les…
Added 12 mins ago
A
Assistant General Manager - Aera
Aera
Toronto, ON
- Full-time
…and unforgettable guest experiences. Reporting to the General Manager, the Assistant General Manager plays a key leadership role in all aspects of restaurant operations. Working closely…
Added 12 mins ago
TA
Senior Manager, Corporate Finance/FP&A
Thorek/Scott and Partners
Toronto, ON
- Full-time
Our Client, a successful Canadian commercial financing business, is seeking a Senior Manager, Corporate Finance to join its growing finance function. Reporting to the CFO, the Senior…
Added 12 mins ago
PO
Grower 1
PRT Offshore an Expro Company
Prince George, BC
- Full-time
…practical greenhouse or nursery experience, particularly in crop management, irrigation. In addition you bring a desire and keenness to learn about the nursery activities, work…
Added 12 mins ago
FS
Program Manager
Futran Solutions
Canada
- Contract
The Storage Guarantees Claims Manager owns Storage guarantee claims from intake through resolution, including eligibility validation, remediation decisions, fulfillment coordination,…
Added 12 mins ago
HT
IT Internal Auditor
Husky Technologies
Bolton, ON
- Full-time
…of our internal audit framework built on an enterprise risk management governance model. You will be part of a global team and report to the Senior Manager; IT Audit located in Bolton. The…
Added 12 mins ago
AE
Intermediate Civil Engineer
Associated Engineering
Kelowna, BC
- Full-time
…development, water resource, lineal infrastructure, stormwater management, planning studies, roadway design, site inspections, condition assessments, contract administration and much…
Added 12 mins 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 12 mins ago
IC
Consultant – Museum, Events and Outreach Programme Coordinator
International Civil Aviation Organization
Montreal, QC
- Full-time
Help the Chief, Revenue and Product Management Section, and the Programme Manager develop museum-related youth activities. The Programme Manager retains responsibility for programme…
Added 12 mins ago
HT
Financial Manager - PLM (Product Line Mgmt)
Husky Technologies
Bolton, ON
- Full-time
Title: Financial Manager - PLM (Product Line Mgmt)
Added 12 mins ago
HT
Proactive Monitoring Spec.
Husky Technologies
Bolton, ON
- Full-time
…interacts with customer’s designated Champion, Husky’s Program Manager, Technical Support Team and…
Added 12 mins ago
TF
Finance Manager
Tla-o-qui-aht First Nations
Tofino, BC
- $69,000 to $78,000 CAD / year
- Full-time
The Finance Manager oversees the day-to-day financial operations of the organization while providing leadership, guidance, and support to finance staff. This role is ideal for someone who…

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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