Hiring: Risk Manager II ( Credit Card Collections Strategy Manager) Company: TD Location: Wilmington, DE Job Posted Time: 2026-09-16 17:44:49 Target Skills & Keywords : Digital Transformation, ETL, Microsoft Excel, Microsoft Office, Python, Risk Management, SQL, Segment About the job Experience: •10+ years' experience required •Proficient PC skills in MS Office and a variety of PC-based analytical and reporting software packages •Solid functional working knowledge of SAS Enterprise Miner, FICO Model Builder or Angoss Knowledge Seeker •Strong analytical and problem solving skills are required to interpret data and draw conclusions •Flexibility to adapt to rapidly changing requirements Required Skills: •The ideal candidate brings deep experience in credit card collections, strong analytical capabilities, and a knowledge-seeking, hypothesis-driven mindset to continuously refine strategies •Develop and execute collections strategies across delinquency stages (early- to late-stage), with focus on improving cure rates, roll rates, and customer engagement •Leverage data analytics and segmentation to design targeted treatment strategies (SMS, digital, call, legal routing) •Drive test-and-learn frameworks, including control/treatment design, performance measurement, and statistical validation •Identify customer segments using behavioral, risk, and engagement data to optimize outreach and recovery strategies •Partner with cross-functional teams (Legal, Compliance, Operations, Digital Vendors) to implement compliant and scalable strategies •Monitor key performance metrics (e.g., RPC%, PTP%, liquidation curves, roll rates) and deliver insights to leadership •Ensure all strategies adhere to regulatory and compliance standards (e.g., TCPA, FDCPA, CFPB guidance) Qualifications: •Bachelor’s degree in STEM (e.g., Statistics, Mathematics, Engineering, Computer Science, Economics) •Proven experience in credit card collections (required) •Operational familiarity with digital outreach channels (SMS, email, AI-driven engagement) •Exposure to regulatory frameworks impacting collections (TCPA, FDCPA, CFPB) •Strong expertise in data analytics, segmentation, and strategy optimization •Demonstrated ability to apply a knowledge-seeking, hypothesis-driven approach to problem solving •Strong proficiency in analytical tools (e.g., SQL, Excel, Python, or equivalent) •Operating standard office equipment - Continuous •Bachelor's degree required; Graduate degree preferred or progressive work experience in addition to experience below Compensation: •$145,000 - $186,160 / year •Flexible work environment (work from home / hybrid options) •Competitive benefits and rewards package Interested candidates, please apply directly through the job posting on company's career page or try via AI auto apply on this platform. Don't miss this opportunity to join a forward-thinking team!