Pod Performance Analyst, TD Auto Finance, Retail Credit Operations (US)

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.

This role drives operational excellence for TD Auto Finance Retail Credit Operations by combining hands-on underwriting execution with data-driven analytics and disciplined credit decisioning. This role is accountable for pod-level performance outcomes, including capture, service delivery, credit quality, and adherence to credit policy and risk appetite, while identifying trends, risks, and opportunities that support sustainable portfolio growth. Provides guidance through expertise, influence, and delegated credit authority. The role partners closely with Sales and cross-functional stakeholders to deliver consistent, timely credit decisions, support portfolio performance through insights and early risk identification, and promotes underwriting consistency through calibration and continuous improvement. Depth & Scope: Leads pod-level data analysis and performance monitoring to identify emerging underwriting trends, risks, and opportunities Drives pod engagement and execution strategies to optimize capture rates, efficiency, service delivery, and portfolio quality Ensures comprehensive pod coverage by coordinating workflows and partnering with underwriting peers and leaders to meet business needs Serves as an escalation point for complex dealer customer credit inquiries and sales calls, providing timely, well-reasoned guidance aligned to credit policy and risk appetite Actively underwrites Retail Credit auto loan applications in accordance with credit policy, procedures, and delegated authority Reviews exceptions and higher-risk or high-dollar credit decisions within delegated authority; escalates decisions outside authority in accordance with established governance Conducts and reviews Early Warning Indicators (EWI), First Payment Default (FPD), and Loss Deal Analysis to inform risk mitigation actions and underwriting adjustments Supports underwriting consistency by contributing to quality gates, calibration reviews, and best-practice sharing across pods Provides informal coaching, technical guidance, and knowledge transfer to analysts and senior analysts to strengthen decision quality and consistency Participates in new hire training activities and onboarding support as needed (content and technical guidance, not performance management) Leads or contributes to small-scale initiatives, working groups, and ad hoc reporting or audit requests as needed Education & Experience: Bachelor’s degree or equivalent relevant experience 3+ years of underwriting or credit analysis experience, preferably in auto finance Strong analytical and critical-thinking skills, with the ability to interpret data, identify trends, and translate insights into action Demonstrated ability to influence, coordinate, and drive outcomes across stakeholders without direct authority Strong communication skills, including the ability to explain credit decisions and risk rationale clearly to Sales and internal partners Proven ability to balance strategic priorities with production accountability in a fast-paced environment Effective time management and sound judgment, including