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Retail Risk Management (RRM) is responsible for the development and execution of risk strategies and initiatives that will achieve a high level of credit quality, while supporting business growth and profitability targets.
Further, our department is responsible for providing oversight and effective challenge to manage the risk of our credit portfolios within the stated risk appetite, including but not limited to activities associated with the credit application process, adjudication, documentation, funding, maintenance, and collections.

The Real Estate Secured Lending (RESL) Credit Policy Group within RRM provides oversight of credit policy for the RESL business, through the assessment and challenge of credit policy submissions / proposals. Our team is responsible for managing the 2nd line review and approval process for proposed changes to RESL credit policies to ensure robust risk reviews are completed by the business, policy changes are in line with Risk Appetite and compliant with all regulatory and insurer policies as applicable. The Manager, Credit Policy reports to the Senior Manager, Credit Policy and is primarily responsible for assessing, challenging and providing insights and recommendations on policy submissions. Our team works closely with the RESL Business as well as other business partners – such as the Credit Centres, QA Testing teams, Customer Assistance and other RRM teams on policy initiatives, regulatory reviews and special projects / deep dives.

• Support the Senior Manager, Credit Policy in evaluating RESL credit policies, including conducting research and analysis, providing effective challenge and clearly articulating recommendations on credit policy decisions
• Work with business product partners in reviewing policy concepts and revising credit policy submissions in conjunction with business objectives and within TD's risk appetite
• Collaborate / manage stakeholder relationships, and ensure timely / transparent feedback throughout the policy submission process
• Communicate policy changes, updates and requests for additional information to business partners
• Assess new / emerging portfolio risks and recommend modifications to existing policies as required
• Assist with the integration of retail credit policy and process / procedures for optimal efficiency and customer experience
• Assist in tracking, monitoring and reporting compliance with policy renewals / credit conditions, and ensuring appropriate levels of approval are obtained prior to implementation of policy changes
• Assist in regulatory (OSFI) reviews and the remediation of related findings as required
• Assist in the preparation and presentation of material for senior management and other stakeholders as required
• Represents Retail Risk Management as a subject matter expert on key projects that impact credit policies / practices and in monthly business update meetings
• The successful candidate will work in a fast-paced and results-oriented environment and will be part of a learning culture where ongoing development is encouraged

• 5+ years professional experience in any of the following areas: Credit Risk Management, Operational Risk Management, CPB Product Management, Credit Quality Testing, Credit Adjudication
• Strong business acumen, financial acumen and analytical skill-set - ability to think critically, identify themes and trends through data analysis, and summarize key issues / risks and mitigants
• Ability to distill insights into business decisions and outcomes
• Strong time management skills with the ability to work well under tight time constraints and manage various projects simultaneously
• Ability to deal with ambiguity and changing priorities in a fast-paced environment
• Excellent verbal and written communication skills with strong ability to negotiate and influence
• Proven track record of building / fostering relationships and working with key stakeholders at various levels
• Proven self-starter with the ability to work independently
• Understanding of retail credit products, policies and processes - RESL experience is a strong asset
• Expertise in using analytical software tools (SAS, SQL, Excel), data analysis and reporting techniques would be considered an asset

• Undergraduate or Post Graduate degree in Business/Commerce or Business Administration would be an asset

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.