Manager, Credit Risk Strategic Initiatives (RESL) (ATH 5274)

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.

Role Overview This role leads strategic credit risk initiatives within the RESL portfolio. It is well suited for someone who is naturally curious, enjoys tackling complex problems, and is motivated by learning and applying new tools and technologies to improve how credit risk is managed. The role is responsible for setting direction, applying sound judgment, and influencing outcomes on work that is often open‑ended and cross‑functional. It involves close partnership with senior leaders, business teams, and technical experts to strengthen credit risk decision‑making and oversight through analytics‑driven insights and modern risk management approaches. Success in the role requires the ability to maintain a broad, portfolio‑level perspective while remaining organized and detail‑oriented, ensuring ideas translate into effective and executable risk outcomes.

Purpose To strengthen the RESL credit risk management framework by improving adjudication quality, data integrity, and risk oversight. This is achieved through automated, data‑driven controls and decision frameworks, and by providing clear, structured, and well‑reasoned recommendations on material risk matters. Key Accountabilities Credit Risk Strategy & Decision Leadership Frame complex credit risk issues into clear problem statements and decision objectives Assess existing risk frameworks and adjudication practices to identify opportunities to improve clarity and explainability of credit decisions Make recommendations that are prudent, policy‑compliant, and practical for RESL business, and clearly explain the thinking behind them Advanced Analytics & AI Enablement Lead the business risk perspective on initiatives that apply advanced analytics or AI‑enabled tools to enhance adjudication quality, monitoring, and risk oversight Build and maintain strong knowledge of RESL data, lending policies, and underwriting practices to inform analytics use cases Partner with analytics and/or model development teams to ensure outputs are relevant, interpretable, and aligned with governance expectations Actively learn and apply emerging technologies to improve credit risk insight, efficiency, and control Executive Communication & Stakeholder Influence Develop clear, concise executive‑level materials that communicate insights, risks, progress, and recommendations Translate analytical findings into structured narratives that support informed and timely decision making Influence outcomes through effective engagement with stakeholders across risk, business, and technology Contribute as a trusted thought partner in discussions related to credit risk strategy and modernization Ways of Working Lead workstreams with accountability for scope, quality, and timelines Demonstrate intellectual curiosity and disciplined thinking through structured questioning and evaluation of alternatives Balance strategic thinking with strong organization, attention to detail, and execution discipline Requirements & Qualifications Experience Minimum 5 years of corporate work experience, including leadership of cross‑functional initiatives Experience