Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$110,760 - $166,400 USD

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.

Line of Business:

EPOCH LLC

Job Description:

The Credit Decisioning Operations Manager oversees and leads a large and/or highly complex and diverse business management function for an area of significant risk, complexity or scope usually involving medium to long term planning, ensuring an integrated approach with other business management areas, broader organization, and enterprise as appropriate.

Depth & Scope:

Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as requiredOversees and leads a large and/or highly complex, and diverse business management function for an area of significant risk, complexity or scopeStrategic partner to leadership team on the management of the portfolio and financials, with deep industry, external / internal, enterprise knowledge, recognizing and anticipating emerging trends and; identifying operational efficiencies and opportunities with other business management / enterprise areasFacilitates key strategic discussions and provide thought leadership to executive audience (output may include strategic roadmap and/or deliverables/ frameworks/ short to long term goals etc.)Sets operational team direction and collaborate with others to execute on common goalsFocus on longer-range planning for functional area (e.g. 12 months or greater)

Education & Experience:

Undergraduate degree10+ years relevant experience
 

Preferred Qualifications:

PowerCurve Originations experienceSYS: FICO TRIAD experienceTSYS ADM (ACE Decision Max) experienceManagement experienceDeep knowledge in credit card with experience managing lending ecosystemsSupport managing multi systems with multi environments
 

Customer Accountabilities:

Develops, communicates and implements a holistic strategy for own specific business management function in support of and integrated with the overall business strategyOversees / leads / manages and plan a work activities that may require alignment across multiple areasLeads the team in the development and/or integrated implementation of policies / processes / procedures / changes across multiple functional areasLeads partner to management and respective teams for area of specialization with industry, external and internal, enterprise and business awareness; recognizing and anticipating emerging trends and; identifying issues and opportunities and recommending action to senior managementActs as a strategic partner by leading relationships with key enterprise partners and interfacing with respective leadership team to effectively manage own business management area and clarify scope of accountabilities while influencing and aligning others as neededEnsures an integrated and aggregated view of all related activities across the overall function providing escalations, recommendations, and decision support to leadership.Forecasts programs / initiatives and demand, and coordinate prioritization of the portfolio/ initiatives with key stakeholdersProvides functional / business level communications to ensure messages to stakeholders and/or employees are consistent, appropriate and aligned to business strategies and executive management direction

Shareholder Accountabilities:

Ensures team adheres to enterprise frameworks and methodologies related to overall business management activitiesLeads relationships with corporate and/or control functions to ensure alignment with enterprise and/or regulatory requirementsSupports team in staying knowledgeable on emerging issues, trends, and evolving regulatory requirements and assess potential impacts to the BankAssesses / identifies key issues and escalate to appropriate levels and relevant stakeholders and business management where requiredMaintains a culture of risk management and control, supported by effective processes and sound infrastructure an in alignment with risk appetiteIdentifies, mitigates and reports on risk issues per enterprise policy / guidelines and ensure appropriate escalation processes are followedEnsures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals, and physical control of assets).Works closely with key business leaders to optimize TDBG’s resources and leverage TD’s operating model to maximize efficiency, effectiveness and scaleLeads or contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situationsMay lead relevant governance meetings or committees and related deliverables / outcomes representing the business on governance and control issuesManages oversight process, risk-based identification and monitoring of related risks and regulatory compliance across the supported functions, while ensuring key controls and processes are effectively managedOversees or leads the facilitation and/or implementation of action/remediation plans to address performance/risk/governance issues

Employee/Team Accountabilities:

Responsible for management of the overall team(s) providing both leadership and guidanceSets targets and objectives for the team, and deliver resultsGrows team expertise to align with enterprise demand and the Bank's direction; assess team skills and capabilities and continually look for ways to provide and enhance the value deliveredFosters an environment / culture that encourages productivity, innovation, process improvement, teamwork and a high level of professionalismCo-ordinates necessary resources to ensure completion by deadlinesProvides coaching, development, succession, recruitment, resource management and overall team leadership for team members and provide regular input into team members’ assessment of performance and development plansPrioritizes and manage own workload in order to deliver quality results and meet timelinesSupports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interestIdentifies and recommends opportunities to enhance productivity, effectiveness and operational efficiencyEstablishes effective relationships across multiple business and technology partners, program and project managersParticipates in knowledge transfer within the team and business units

#LI-AMCBOther

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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. 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.

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

If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.