Applied Machine Learning Scientist II (Retail) 4031

Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Analytics, Insights, & Artificial Intelligence

Pay Details:

$110600 - $154000 CADThe pay details posted reflect a temporary market premium specific to this role that is reassessed annually.

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.

Job Description:

*Department Description:

Retail Model Development (RMD) is part of the Model Development group and responsible for the development of credit risk models (e.g. capital models such as PD/LGD/EAD or scorecard models such as application or behavioral score) on retail portfolios. RMD also plays an essential role during the full model lifecycle beyond development, supporting model validation, monitoring, implementation and compliance reviews, to make sure all the models satisfy business needs and at the same time comply with regulatory requirements.

*Job Description:

The successful candidate will be a member of the Retail Model Development (RMD) team responsible for the development of retail scorecard models that are used in TD's adjudication, account management or collection strategies/policies.

Detailed and key accountability includes (but not limited to):

• Discuss business needs with LoB partners and scope the model target/use case before development.
• Extract data from data warehouses and analyze the data quality of existing features from large data sets and apply appropriate data preparations such as missing imputation or outlier treatment. Ensure business insights are incorporated in the data manipulation stage. Maintain exceptional code quality tracing all data operations.
• Engineer additional features if needed, such as transactional data aggregation or trends reflecting feature changes over time.
• Use Machine Learning (ML) algorithms, such as XGBoost or Neural Network, to fit the scorecard models. Analyze cross validation results to improve the hyperparameter tuning, or model performance metrics to propose additional feature engineering or segmentation to improve fitting on specific risk dimensions.
• Analyze feature contribution of the ML models with attribution tools such as SHAP or LIME, to make sure insights from data mining are still intuitive to LoB partners.
• Document clearly the modeling steps and decisions, as well as all performance and bias/fairness test results, for validation and compliance review. Support additional analysis requests from validation or compliance partners during those reviews.
• Collaborate with the model implementation team to move the model from development to production, and with the monitoring team to analyze any changes in model performance or feature attribution over time.
• Explore next gen data or methodology for retail credit scorecards, such as open banking data or Gen AI modeling framework.
• Contribute to codebase pipeline enhancement related to data preparations and model development routines

*Job Requirements:

Minimum required experience

• 3+ years of relevant experience in quantitative credit risk modeling and analytics.
• Advanced degree in one or more of the Science, Technology, Engineering, and Mathematics (STEM) areas such as Mathematics, Physics, Engineering or Computer Science.
• Hands-on expertise on large data manipulation in SAS, SQL, python or pyspark.
• Demonstrated ability to synthesize clear insights from data
• Experience working with GitHub
• Advanced python programming skills in Databricks including classes, modules packaging and distributions (such as wheels) to create scalable, efficient and maintainable codebase.
• Understanding of Azure based cloud platforms including Azure Synapse/Delta Lakes, Azure AI
• Deep understanding of open source ML algorithms for model fitting and attribution(e.g., tree based models, neural network based models, hyperparameter tuning packages, SHAP, etc.)
• Experience managing/mentoring junior staff members for modeling/analytical deliverables.
• Experience working collaboratively with cross-functional teams (e.g., compliance, data, business and model risk management) and effectively with people at all levels in an organization?
• Ability to work in a fast-paced environment and manage multiple deadlines at once.
• Exceptional written and verbal communication skills, with the ability to 1) articulate complex concepts and write technical documents, and 2) adapt communication depending on the audience.
• Excellent conceptual problem-solving skills
• Proficient and highly efficient with Word, PowerPoint and Excel for documentation/communication purpose.

Preferred

• Understanding of retail banking products is a plus
• Understanding of scorecard modeling is a plus

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing – and so will you.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more

Additional Information:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we're committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
Your accessibility is important to us. Please let us know if you'd like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.
We look forward to hearing from you!

Language Requirement (Quebec only):

Sans Objet