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Agent guide: [/agents.md](https://www.wearedevelopers.com/agents.md). --- # Allowance Model Operator Team Specialist (US) - **Company:** TD Bank, Inc. - **Location:** Mount Laurel Township, NJ, United States - **Experience:** Expert - **Salary:** $123,050.0 - $184,570.0 - **Contract:** Permanent contract - **Skills:** Microsoft Excel, Data Analysis, Information Technology, Data Management, Alteryx - **Published:** August 2, 2026 - **Apply:** https://www.juju.com/job/00000000gllkmg ## About the Role + Undergraduate degree or advanced technical degree preferred (e.g., math, physics, engineering, finance or computer science) Graduate's degree preferred with either progressive project work experience, or; + 7+ year of relevant experience; higher degree education and research tenure can be counted Preferred Qualifications: + Self-led individual able to manage multiple initiatives of varying risk, timeframe, and coordination. + Ability to learn, research and report on data issues using existing Bank software (i.e., Alteryx, Excel, etc.). + Foundational knowledge of loan lifecycle, specifically the adjudication, risk ratings, categorization/classifications, and reserve process. ## Description The Lead Business Insights Specialist acts as an advisor to business leaders and stakeholders. This role provides comprehensive analytical support, interpretation of complex data, BI or analytics outcomes to generate multidimensional insights that drive business growth and value. This role works in partnership with business leaders to present or generate appropriate insights including the delivery of supporting collateral and/or presentations. Depth & Scope: + Generally accountable for a significant business or area that has cross business or enterprise-wide impact or accountability + Enterprise domain/functional and deep specialized knowledge at the enterprise, business, regulatory and industry levels + Undertakes and completes a variety of complex initiatives requiring seasoned specialist knowledge and/or the integration of cross functional processes, As a top leader within the Credit Risk Analytics risk management department, this role serves as a subject matter expert for portfolio-defined workstreams (retail and non-retail) within the quarterly Expected Credit Loss (ECL) and Provision for Credit Loss (PCL) allowance calculation processes. You will actively participate as an expert advisor to Credit Risk executives and process partners driving the strategy, design, enhancement, and execution of the quarterly IFRS9 and CECL credit allowance models. The position also actively participates in projects and initiatives (concept through delivery), ensuring changes are executed completely, in accordance with regulatory expectation, and understanding of business impacts. Working closely with senior leadership, key stakeholders, business partners, and cross functional teams, the role ensures an integrated, coordinated, and forward looking approach to the quarterly credit allowance process. Success requires credit knowledge, regulatory expectation understanding, ability to built and maintain relationships, critical thinking and the ability to make judgement decisions in a fast paced, time sensitive environment., + Leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to help drive business growth or address business/enterprise needs + Presents and communicates generated insights and recommended business actions to stakeholders/business leaders in an easily digestible manner, leveraging tools/techniques/methods to produce a variety of visualizations/presentations that fit the audience + Acts as the primary interface with business to bridge and translate business requirements to analytics and reporting needs for a given domain/business + Applies collaborative and strong stakeholder management approach to constructively influence and persuade stakeholders and partners where appropriate + Serves as an authority on a given business domain and provides business expertise to place context around analytics discovery and inform recommendations + Escalates data/process related problems and communicates to relevant teams in a timely manner and makes recommendations for resolution + Provides day-to-day support and delivery of analytics Shareholder Accountabilities: + Represents functional area as a business insights & analytics specialized expert + Synthesizes complex and vast amount of information and translates into actionable insights and strategy + Builds business requirements and facilitates project execution to develop insights + Collaborates with partners on business challenges and delivers fact-based analytical advice that aligns to strategy and drives shareholder value + Identifies opportunities for business growth within a specific business or function by identifying potential use cases and value drivers + Utilizes both quantitative and qualitative methodologies to interpret and present data effectively and clearly + Works directly with the business teams to gather the demand for analytics and work with the analytics hub to fulfill the analytics demand + Provides business explanation for anomalies/outliers identified during analysis + Works with business functions and analytics teams to transition business requirements to analytics requirements + Trains business users on how to integrate analytics into decisions + Leverages knowledge of data capabilities to build and deliver insights + Develops analysis to corroborate initial proof of concept + Executes on data requests accurately and within a timely manner + Identifies and investigates data/analytics related issues + Ensures 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) + Leads/facilitates and/or implements actions/remediation plans to address performance/risk/governance issues + Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements + Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts + Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite Employee/Team Accountabilities: + Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest + Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit + Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques + Participates in personal performance management and development activities, including cross training within own team + Keeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities + Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices + Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships + Contributes to a fair, positive and equitable environment that supports a diverse workforce + Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally ## Related Videos - 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