VP, Credit Management Consumer Deposits & Payment at TD Bank in Wilmington, DE
Responsible for leading all aspects of Credit management to Grow consumer deposit and payment products in a responsible manner. The incumbent will be the thought leader to drive the utilization of Retail customer data in Credit strategies. The leader develops, coordinates, manages, and produces the analytical environment for TD Bank N.A. Retail Credit portfolios to achieve Financial measurement, forecasts and business budgets) and Credit estimates within Corporate Risk appetite. Job Description o Responsible for overall credit management of all products offered in CDPP business. o Active partnership with product team to design, and enhance existing and launch new product line structures, strategies to meet changing environment, customer preferences and revenue targets o Monitor and report-out credit KPIs in support of financial, regulatory and risk management requirements to senior leadership o Participates in the design of credit policy, strategies through usage of industry expertise and quantitative methods for all CDPP product offering including Overdraft o Develop a framework for Agile test-learning through utilization of customer data with other product lines for acquisition and line assignment strategies. o Exercises independent judgment by displaying and reaching conclusions on the most complex portfolio issues as well as assumes accountability for high quality recommendations regarding the credit portfolio o Engage in active dialogue with fraud team to manage loss expectations o Lead from CDPP product to manage all activities related to model risk management with modelling, including model monitoring, and vendor management. o Establishes oversight of business lines compliance/risk controls and periodically evaluate risk mitigation efforts to make adjustments as risk/department influences change. Ensures TD Bank maintains successful audits and exams within all areas o Ensures effective compliance with all job-relevant State and Federal regulations, including, but not limited to Employee policies, procedures, CRA EEO/ AA, as well as with all job relevant Risk Management and Corporate standards o Manages complex analytical initiatives and interacts with TDBFG Analysts, Finance, Credit, Sales, Marketing and Retail Lending lines of businesses Requirements o Bachelors degree required; Graduate degree preferred o 10
Years of related experience, preferably in Retail banking o Strong quantitative and statistical skills to determine sound, defensible approaches to forecasts and analyses o Strong written and verbal communication skills o Experience in change management related to the adoption of new business processes o Extensive experience in organizing and presenting credit portfolio results and allowance requirements to Senior Management Committees, External Analysts, Auditors, Regulators, and Board of Directors o Industry analysis and presentation experience Must be eligible for employment under regulatory standards applicable to the position. Hours
Salary Range:
$200K -- $250K
Minimum Qualification
Banking, Loans & InsuranceEstimated Salary: $20 to $28 per hour based on qualifications.
Years of related experience, preferably in Retail banking o Strong quantitative and statistical skills to determine sound, defensible approaches to forecasts and analyses o Strong written and verbal communication skills o Experience in change management related to the adoption of new business processes o Extensive experience in organizing and presenting credit portfolio results and allowance requirements to Senior Management Committees, External Analysts, Auditors, Regulators, and Board of Directors o Industry analysis and presentation experience Must be eligible for employment under regulatory standards applicable to the position. Hours
Salary Range:
$200K -- $250K
Minimum Qualification
Banking, Loans & InsuranceEstimated Salary: $20 to $28 per hour based on qualifications.
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