Credit Risk Data Scientist

Use SQL and analytics in Toronto to shape credit strategies for TD’s retail risk management business. Turn portfolio insights into decisions.

As a Data Scientist, you’ll support MBNA and other credit card portfolios through analytics, strategic thinking, and stakeholder collaboration. You’ll solve business problems while balancing growth, profitability, customer experience, and risk appetite. The work spans Product, Fraud, Technology, Operations, and Model Development.

Key Responsibilities:

• Own portfolio, strategy, or business problem areas end-to-end
• Design, implement, monitor, and optimize credit strategies
• Translate complex data into compelling recommendations
• Challenge assumptions about performance, risks, and strategic initiatives
• Evaluate models, tools, and capabilities for credit decisioning

Requirements:

• Strong SQL skills with large, complex datasets
• Experience using analytics to solve business problems
• Credit Risk, Retail Banking, or Financial Services experience
• Undergraduate degree in a quantitative discipline
• Strong stakeholder engagement and communication skills

Apply your SQL, credit risk, and analytical judgment to improve TD portfolio outcomes and influence strategic decisions.