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Added 11 mins ago
HT
Financial Manager - PLM (Product Line Mgmt)
Husky Technologies
Bolton, ON
- Full-time
Ability to balance strategic thinking with hands-on execution
Added 11 mins ago
VC
Director of Operations - Ventana Special Projects
Ventana Construction Corporation
Coquitlam, BC
- Full-time
As Operations Manager with Ventana Special Projects, you will play a central role in connecting the company’s strategic direction with day-to-day operational execution. You will oversee the…
Added 11 mins ago
GD
Senior Manager Network Infrastructure
Groupe Dynamite
Mont-Royal, QC
- Full-time
The Senior Manager’s role is to plan, organize, and manage staff and overall operations to ensure the stable operation of the organization’s network infrastructure.
Added 11 mins ago
SO
SCM Operations Category Management Advisor
Spirit Omega Inc.
Calgary, AB
- Contract
Reporting to the Manager/Senior Manager, SCM Operations Category Management, the Contract SCM Analyst is responsible for managing assigned category portfolios and related work throughout…
Added 11 mins ago
Vice President - Investment Management
TELUS
Calgary, AB · Edmonton, AB · Vancouver, BC · Toronto, ON · Montreal, QC
…or asset management firm. Proven track record in portfolio manager leadership, asset mix execution, risk management, and external manager…
Added 41 mins ago
CN
Manager, S&T Project Controls
Canadian Nuclear Laboratories
Chalk River, ON
- Full-time
Are you looking for a role that will challenge your leadership, analytical, and strategic planning skills? Can you see yourself guiding a high‑performing project controls team that supports…
Added 41 mins ago
B
Managing Director - Cybersecurity & Core Technology Audit
BMO
Toronto, ON · FCP
- Full-time
Serve as the senior audit relationship lead for technology executives, including CISOs, engineering, infrastructure, and operations leaders, while maintaining strategic partnerships with…
Added 41 mins ago
SD
Senior Product Manager
Shoppers Drug Mart Specialty Health Network
Mississauga, ON
- Full-time
The Senior Product Manager will demonstrate strong product and platform knowledge and collaborate with cross-functional teams across the enterprise to define and deliver value through…
Added 56 mins ago
B
Mortgage Specialist
BMO
Westmount, QC
- Full-time
Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.
Added 56 mins ago
B
Mortgage Specialist
BMO
Montreal, QC
- Full-time
Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.
Added 56 mins ago
B
Mortgage Specialist
BMO
Montreal, QC
- Full-time
Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.
Added 56 mins ago
B
Mortgage Specialist
BMO
Montreal, QC
- Full-time
Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.
Added 1 hour ago
AW
Engineering And Maintenance Manager
Atlantic Wallboard
Saint John, NB
- Full-time
We are looking for an energetic, motivated, and forward-thinking leader to join our team as Engineering & Maintenance Manager at Irving Wallboard. This opportunity is ideal for a…
Added 1 hour ago
S
Business Development Representative - SMT
Solink
Remote, Canada
- $68,500 to $85,000 CAD / year
- Full-time
- Remote
…team-wide tasks and initiatives, with direction provided from their manager or more senior…
Added 1 hour ago
DF
Executive Director
Dress for Success Central Alberta
Red Deer, AB
- Full-time
As the organization's senior leader and primary spokesperson, the Executive Director is responsible for advancing strategic priorities, securing resources, building meaningful partnerships,…
Added 1 hour ago
BB
Senior Media Buyer - Canada
Bowery Boost
Canada
- Full-time
We're looking for an experienced, hands-on Media Buyer to support paid media execution and optimization across multiple client accounts.
Added 1 hour ago
M
Senior Advisor, Stakeholder Relations
Metrolinx
Toronto, ON
- Full-time
Support the Senior Manager, Stakeholder Relations in building and maintaining strong relationships with internal and external stakeholders, fostering collaboration and open communication.
Added 1 hour ago
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Senior Credit Officer
BMO
Montreal, QC · HO
- Full-time
Recommends business priorities, advises on resource requirements and develops roadmap for strategic execution.
Added 1 hour ago
G
Key Account Manager
Greenhouse
Toronto, ON
- Full-time
Work with brokers, and with our Field Sales Manager, who leads third-party merchandising priorities and relationships, to drive store-level execution.
Added 1 hour ago
DF
Executive Director
Dress for Success Central Alberta
Red Deer, AB
- Part-time
As the organization's senior leader and primary spokesperson, the Executive Director is responsible for advancing strategic priorities, securing resources, building meaningful partnerships,…
Added 1 hour ago
SO
Marketing Manager
Spirit of Math Schools Inc.
Toronto, ON · North York, ON
- Full-time
The Marketing Manager provides overall leadership, strategic direction and operational accountability for the Spirit of Math Marketing Department. The role translates organizational growth…
Added 1 hour ago
MU
Senior Manager Equity, Diversity and Inclusion Strategic Initiatives
McMaster University
Hamilton, ON
- Full-time
The Senior Manager will be the primary contact for FHS equity initiatives, will support committees and working groups and will provide information and advice to internal and external…
Added 1 hour ago
TH
Sr. Manager, Restaurant Technology Deployment & Vendor Management, Tim Hortons
Tim Hortons
Toronto, ON
- Full-time
The Sr. Manager, Restaurant Technology Deployment & Vendor Management is responsible for leading the successful execution of strategic restaurant technology programs with a primary focus on…
Added 2 hours ago
IS
SCM Operations Category Management Advisor
InSync Systems
Calgary, AB
- Contract
Reporting to the Manager/Senior Manager, SCM Operations Category Management, the Contract SCM Analyst is responsible for managing assigned category portfolios and related work throughout…
Added 2 hours ago
EP
Operations & Administrative Associate
Elby Professional Recruitment
Kitchener, ON
- $50,000 to $59,000 CAD / year
- Full-time
…sales lifecycle - from lead generation and client contract execution to talent onboarding and revenue…

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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