Jobs in Canada

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Added 6 mins ago
Account Executive US / Responsable commercial.e US
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$170,000 to $190,000 CAD / year
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…and people leaders to build cutting edge tools to accelerate developer productivity across tens of thousands of software engineers and business partners. You will drive innovation at…

Data Scientist II (Credit Risk and Product)

Toronto, ON, Canada

Pay: $81,600 - $115,200 CAD
Job type: Full-time
Apply by: Oct 21, 2026
Experience: 2+ years of experience performing advanced analytics or data science, ideally for credit lending products.
Posting language: English
Posted: Sep 21, 2026

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Original job description

Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line Of Business:

Analytics, Insights, & Artificial Intelligence

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:

Within CPB (Canadian Personal Banking), the Analytics, Insights and Artificial Intelligence team supports the day-to-day activities of the CPB businesses by providing consultative support with data & analytics-based business insights and/or solutions to guide decision making and/or strategic planning. We work with business partners to address their analytics needs by providing end-to-end support of data, reporting, analytics, insights, and artificial intelligence solutions.

Job Description:

The Data Scientist II will report to the Senior Manager, Data Science for Cards Product & Credit Strategy Analytics. You will be part of a team that supports optimization of credit card adjudication strategies as well as all credit card product and pricing initiatives.

Key Accountabilities Include:

Develop credit strategies, including, adjudication and account management for TD & MBNA Cards and Personal Lending products, ensuring adequacy of risk and return through comprehensive data analysis leveraging machine learning techniques.
Support new credit strategy development with advanced analytics and data science.
Identify and manage credit and other associated risks related to Cards & Personal Lending Acquisition and Account Management.
Undertake and complete a variety of complex analytic projects and initiatives requiring specialist knowledge and/or integration of cross functional processes.
Produce insights and recommend business actions to support business strategy and/or solve business problems.
Identify and recommend opportunities and drive initiatives that provide financial value supporting the business strategy.

Required Qualifications:

Graduate or undergraduate degree in quantitative discipline such as management analytics, statistics, mathematics, operations research, economics, computer science, or engineering
2+ years of experience performing advanced analytics or data science, ideally for credit lending products.
Experience in financial services industry with broad understanding of credit strategy, risk management, product management and analytics.
Highly skilled in coding SQL, and Python/PySpark.
Strong interpersonal, communication and presentation skills, with the ability to create and articulate a compelling business case to senior management and other stakeholders.
Strong analytical and problem-solving skills.
A strong focus on attention to detail to produce high quality, accurate and timely deliverables to meet deadlines.
Ability to prioritize competing requests / multiple tasks in a deadline driven environment.
Creative problem solver, self-starter, resourceful in getting things done.
Machine Learning & AI: Hands-on experience with machine learning techniques, including supervised and unsupervised learning, reinforcement learning, and causal inference. Familiarity with generative AI (GenAI), large language models (LLMs), and statistical inferencing

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

Develop and optimize credit card adjudication and account management strategies using machine learning and advanced data analysis. Provide consultative support and actionable insights to guide strategic planning and business decision-making for Canadian Personal Banking.

Requirements

Requires a graduate or undergraduate degree in a quantitative discipline and at least 2 years of experience in advanced analytics or data science. Candidates must be highly skilled in SQL and Python/PySpark with a strong understanding of credit strategy and risk management.

Skills

SQL
Python
PySpark
Machine learning
Credit risk
Data science
Statistical inferencing
Financial services
Risk management
Product management
Data analysis
Communication
Problem-solving
Generative AI
Large language models
Causal inference

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 Science
Credit Risk
SQL
Python
PySpark
Machine Learning
Supervised Learning
Unsupervised Learning
Reinforcement Learning
Causal Inference
Generative AI
LLMs
Statistical Inferencing
Financial Services
Risk Management
Product Management
Analytics
Data Analysis
Credit Strategy
Banking
Personal Lending
Adjudication
Strategic Planning
Quantitative Analysis
Management Analytics
Statistics
Mathematics
Operations Research
Economics
Computer Science

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