44 Forecasting jobs in Canada

**Job Requisition ID #**
25WD92430
**Position Overview**
We are seeking a dynamic Finance Manager to lead our forecast consolidation process, collaborating with the sales finance team to review field submissions and provide insights to Finance and Sales leadership. The role includes developing and managing revenue and topline forecasting models, analyzing financial data and market trends for robust predictions, and leading end-of-quarter revenue forecast modeling and reporting. Additionally, the Finance Manager will create financial models for new product offerings, prepare executive-level presentations, and establish strong partnerships with various finance and business teams to ensure comprehensive forecast support.
Location: Canada based role
**Responsibilities**
+ Spearhead forecast consolidation process; work closely with broader Sales Finance team to consolidate and review field forecast submissions, and articulate business insights to Finance and Sales leadership teams.
+ Develop and manage comprehensive revenue and topline forecasting models, providing accurate and actionable insights for senior management.
+ Analyze historical financial data and market trends to deliver robust topline predictions.
+ Lead the end-of-quarter revenue forecast modeling, reporting, and alignment with Revenue and M&A Accounting.
+ Develop financial models and reporting processes for new product offerings.
+ Prepare and present critical financial analyses and executive-level presentations to help stakeholders, Investor Relations, Sales and Finance Leadership understand the context or 'why' behind our financial results.
+ Establish strong partnerships with Financial Analysis team, Accounting teams, Treasury, FP&A, Investor Relations, Sales Finance Directors, and Finance Business Partners to provide comprehensive forecast support across top line metrics.
**Minimum Qualifications**
+ Bachelor in Finance/Accounting or STEM preferred; MBA, CFA, or CPA preferred
+ 5+ years of related experience
+ Prior experience in Finance, Investment Banking or Consulting
+ Advanced skills and experience building complex financial models, preferably for subscription-based companies
+ Strong aptitude for, experience with, or desire to learn financial software (e.g. Anaplan, Power BI etc.)
#LI-ML2
**Learn More**
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**Work Location:**
Toronto, Ontario, Canada
**Hours:**
37.5
**Line of Business:**
Analytics, Insights, & Artificial Intelligence
**Pay Details:**
91,200 - 136,800 CAD
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:**
**Advanced Analytics and Modelling Forecasting Specialist**
**Customer**
+ Collaborate in the development of credit decisions to improve customer satisfaction and ensure originations are within the Bank's Risk Appetite.
+ Manage the analysis of credit risk adjudication strategies and policies, portfolio risk trends, business analytics, scorecard performance, and risk models for retail consumer loan products.
+ Ensure the design and implementation of processes and applications to provide risk metrics and management reports.
+ Provide effective challenges to the product partners to ensure all decisions are within the Bank's Risk Appetite.
**Shareholder**
+ Lead credit loss forecasting for the TD Auto Finance portfolio, leveraging advanced analytics.
+ Monitor the credit risk of the TD Auto Finance portfolio, proactively identifying key emerging risks that can impact credit losses and inform executives accordingly.
+ Work closely with the business and key stakeholders to oversee collection and repossession activities to maximize efficiency, effectiveness, and scale.
+ Protect the interests of the organization by identifying and managing risks, and escalating non-standard, high-risk transactions/activities as necessary.
+ Keep abreast of emerging issues, trends, and evolving regulatory requirements, and assess potential impacts.
+ Support a culture of risk management and control, supported by effective processes in alignment with the Bank's Risk Appetite.
**Team**
+ Share knowledge, information, skills, and subject matter expertise among colleagues, and ensure the timely communication of issues, encouraging good working relationships with other teams.
+ Develop long-term plans for your own area and influence plans well beyond the area managed.
+ Support an environment where all colleagues freely escalate business challenges.
+ Act as a brand ambassador for your business area/function and the bank, both internally and externally.
+ Collaborate with other departments to support credit risk analysis.
+ Promote open communication and teamwork across risk functions and the business.
+ Contribute to an environment focused on innovation and continuousimprovement.
**Breadth & Depth**
+ Lead development and ongoing application of loss forecasting methodologies using advanced statistical techniques.
+ Apply leading-edge technologies for data mining and predictive modelling to ongoingly improve precision of loss forecasting.
+ Interact with multiple stakeholders including internal committees, and auditors.
+ Provide thought leadership and strategic insights to support decision-making in the TD Auto Finance portfolio.
**Job Requirements**
+ University degree or relevant experience in Mathematics, Actuarial Science, Computer Science, Econometrics, or related fields.
+ Master's degree in Risk Management, Statistics or Data Science is an asset
+ Strong programming skills in SAS, SQL, Python, R, or MATLAB for data manipulation and modelling.
+ Expertise in statistical model development and validation, including linear and logistic regression.
+ Excellent problem-solving and project management skills.
+ Effective communication skills for presenting technical and business concepts.
+ Minimum 3 years of experience in retail banking risk or credit risk modelling.
+ Knowledge of Expected and Unexpected Loss, and Allowance
**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 ( 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
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

**Work Location:**
Toronto, Ontario, Canada
**Hours:**
37.5
**Line of Business:**
Analytics, Insights, & Artificial Intelligence
**Pay Details:**
76,800 - 115,200 CAD
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:**
The Counterparty Credit Risk (CCR) Model Development group at TD is responsible for the development, maintenance, and calibration of CCR models. We frequently interact with various groups within the bank, including Technology, Market Risk Control (MRC), Capital Market Risk Management (CMRM), Model Validation (MV), etc. We are looking for a strong candidate to join the group as a Senior Advanced Modeling Analyst. The successful candidate will work primarily within the CCR team of Market risk Model Development to help develop new methodologies and models for the measurement of Counterparty Credit Risk, as well as maintaining and improving methodologies of existing models in production for CCR and xVA measurement as well as regulatory capital reporting.
Accountabilities
+ Develop new modeling methodologies used to measure counterparty credit risk
+ Perform ongoing maintenance and ad-hoc investigations of models already deployed in the existing CCR system
+ Interact with other business partners (e.g., Technology, MRC, CMRM, MV) to investigate and resolve modeling issue
+ Communicate model risk and provide full transparency around the model assumptions and usage with various stakeholders
+ Contribute to other one-time projects of the group
Qualifications:
+ Solid technical training with a graduate degree in science or engineering such as physics, chemistry, mathematics/statistics, computer science/engineering, Master of Mathematical Finance, or a similar discipline where mathematical modeling techniques are systematically studied and applied.
+ Familiarity with PDEs, stochastic processes, and simulation.
+ Strong programming skills in one or more widely used languages such as C/C++/C#, VBA, python, Matlab, R, etc.
+ Knowledge of fundamental concepts and techniques in quantitative finance or strong interests in financial markets and associated modeling techniques
+ Must be a team player with a focus on getting projects done effectively and efficiently
+ Good written and verbal communication skills is a definite asset
+ Prior knowledge or experience in quantitative finance and counterparty credit risk is an asset but not required
**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 ( 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
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

**Work Location:**
Toronto, Ontario, Canada
**Hours:**
37.5
**Line of Business:**
Analytics, Insights, & Artificial Intelligence
**Pay Details:**
73,000 - 109,400 CAD
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:**
TD Model Validation (MV) group is part of the Model Risk Management (MRM) group and is responsible for the independent validation and approval of analytical models used for across a large range of use cases (risk, pricing, capital evaluation, marketing, insurance, wealth management etc.).
**Job Description:**
The successful candidate will be a member of the Non-Retail Model Validation group responsible for validating a variety of quantitative and qualitative models used across the US and Canadian non-retail businesses. The position reports to the Senior Manager, Non-Retail Model Validation group within MV.
Detailed accountability includes:
+ Design testing strategies (e.g., sensitivity analysis, backtesting, scenario forecast, and quantitative / qualitative benchmark) to comprehensively assess the model performance and identify / recommend improvements.
+ Validate non-retail models in line with internal standards and industry best practices. The role focuses on stress-testing models used for Dodd-Frank Act Stress Tests (DFAST), Enterprise-Wide Stress-Testing (EWST) and Macro Stress-Testing (MST).
+ Develop benchmark models and / or independently replicate existing models.
+ Present model validation outcomes to senior executives.
+ Work effectively with different internal partners across the Model Development (MD) groups.
+ Coach team members on model validation approaches and modeling techniques.
+ Contribute to strategic initiatives to improve model validation processes (e.g., standardization, process optimization and automation)
+ Maintain / develop professional knowledge of techniques and developments in the field and share knowledge with business partners and senior management.
**Job Requirements:**
Minimum
+ Robust quantitative skills with an advanced degree in one or more of the following areas: Financial Engineering, Mathematics, Statistics, Econometrics, Data Science, Computer Science & Engineering
+ Experience in model validation and / or model development within the banking or financial services industry.
+ Experience with non-retail stress-testing models (e.g., Pre-Provision Net Revenue, credit losses and operational losses) used in the US (e.g., CCAR/DFAST) and / or in Canada (MST and EWST) across a range of modeling techniques (qualitative and statistical)
+ Proficient in programming language, such as Python, R, MATLAB, SQL and SAS.
+ Ability to collaborate effectively with stakeholders of different backgrounds.
+ Team-oriented with sense of ownership and accountability
+ Excellent written and verbal communication skills, with the ability to articulate complex concepts and write comprehensive technical documents.
+ Effective time management and multitasking skills with minimal supervision
+ Strong conceptual problem-solving skills.
Preferred
+ CFA / CAIA / FRM / PRM
**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 ( 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
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

**Work Location:**
Toronto, Ontario, Canada
**Hours:**
37.5
**Line of Business:**
Analytics, Insights, & Artificial Intelligence
**Pay Details:**
$76,800 - $115,200 CAD
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 Overview**
The Non-Retail Model Development (NRMD) group, a part of the Model Development department within Risk Management, is responsible for methodology development related to Market Risk and Credit Risk for the Retail, Wholesale and Business Banks as well as Operational Risk bank-wide. These methodologies cover, but are not limited to, Credit parameters (PD, LGD, UGD), Regulatory & Economic Capital for AIRB Credit Risk, General Allowances, Value at Risk (VaR), and Counterparty Credit Risk.
**Job Description**
Reporting to the Manager, Non-Retail Model Development, the Senior Analyst will lead the development of Non-Retail Credit Risk Rating models.
+ Participate in the development, tuning, and documentation for new or amended Borrower Risk Rating (BRR), Facility Risk Rating (FRR), and Expected Loss (EL) models
+ Engage with working groups of subject matter experts to ensure that all credit risk models are current per best industry practices and standards
+ Review and understand risk rating methodologies of public rating agencies (Moody's, S&P, Fitch, DBRS) and identify potential gaps with internal models
+ Create and manipulate extensive data spreadsheets for the purpose of model tuning, stress and sensitivity testing
+ Conduct extensive Business Acceptance Testing to ensure that models meet design specifications
+ Support Annual Model Review and Model Validation schedules as required, including data and documentation preparation
+ Work closely with Credit Risk Policy in the launch of new initiatives or reviews, and work extensively with TDBNA to ensure enterprise-wide models are consistent cross-border
+ Complete ad hoc analysis in a timely manner as requested
**Requirements**
+ A university degree in Finance, Economics, Statistics, or a related discipline. A relevant professional designation (MBA, FRM, CFA) will be considered a plus
+ Proficiency in MS Excel, SQL and Python in the context of data manipulation, data mining, statistical analysis, and predictive modelling
+ 3+ years of progressive work experience in commercial/corporate banking function or other credit risk areas
+ Strong communication skills (both written and verbal), ability to effectively present technical, business, and project management subjects to senior stakeholders
+ Working knowledge of non-retail credit risk rating methodologies and Basel parameters (PD, LGD, EAD)
+ Strong problem-solving skills, ability to independently identify and solve problems in an efficient and timely manner
**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 ( 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
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

**Work Location:**
Toronto, Ontario, Canada
**Hours:**
37.5
**Line of Business:**
Analytics, Insights, & Artificial Intelligence
**Pay Details:**
$76,800 - $115,200 CAD
This role is eligible for a discretionary variable compensation award that considers business and individual performance.
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 Overview :**
The Retail Expected Loss Model Development group within the TD Bank Group (TDBG) Model Development department is responsible for modelling credit risk in all TDBG retail credit product portfolios (including mortgages, home equity products, indirect auto loans, credit cards, and small business products).
**Job Description :**
In this position, the individual will be responsible for the development, initial validation, documentation, and support in all stages of audit, implementation and ongoing monitoring of account-level models for credit risk parameters (PD, EAD, and LGD) for all TDBG retail credit product portfolios. The individual will also be responsible for updating/re-developing existing models for these portfolios as required.
These predictive models serve as the basis for establishing default, exposure and loss parameter estimates for use in calculating Risk-Weighted Assets (RWA) for TDBG retail credit exposures under the Basel III AIRB approach. They will also be used to calculate loan loss allowance and economic capital for these portfolios, as well as calculate expected credit losses, RWA, loan loss allowance and economic capital under various macroeconomic scenarios included in the Bank's internal and regulatory stress tests.
The position will involve interactions with TDBG Model Validation, Model Risk Management, Internal Audit, and external auditors, as well as with the Bank's Canadian (OSFI) and US (OCC and FED) banking regulators, in order to support their review and approval process for the risk parameter models. The position will ensure compliance with the TDBG Model Risk Policy, Capital Model Approval Policy, Data Governance requirements, and other relevant policies and regulatory requirements.
The individual will closely work with and actively support TDBG Retail Risk Management, as well as retail credit product and finance areas by providing a deep analysis of credit risk drivers and parameters under various scenarios for the respective retail credit portfolios. This will entail discussing key observations and conclusions derived from the data analysis and modelling with the various retail credit product, finance, and risk management groups, and assisting these groups in managing product portfolio risk and profitability.
The individual will use leading-edge technologies and develop innovative solutions in the following areas:
+ Data mining by making sense of large databases of historical data related to credit risk;
+ Predictive credit risk modelling based on rigorous statistical analyses of historical data, regression techniques, and econometric analyses;
+ The predictive models leverage both traditional statistical techniques as well as the new AI and machine-learning methodologies; and
+ Estimating credit risk embedded in the Bank's US retail credit product portfolios, as well as the amount of regulatory and economic capital the Bank needs to allocate against these portfolios.
+ This position provides excellent learning, working and career opportunities in a flexible, highly professional, and motivated team environment, as well as exposure to a variety of high-paced and intensive modelling projects and a variety of internal and external stakeholders.
**Job Requirements :**
This position requires a combination of dedication, extremely hard work, and attention to detail on one hand, as well as quick learning, creativity, and non-standard thinking on the other. The technical skills and experience required for this position include a strong mathematical, statistical, and computer science background, as well as experience with data mining and statistical modelling. This position also requires the ability to lead a model development project and guide modelling analysts and co-op students.
A successful candidate is expected to have:
+ A university degree in Statistics or a related quantitative discipline (Mathematics, Actuarial Science, Computer Science, Econometrics, Operations research);
+ Strong working knowledge and hands-on experience using programming languages such as SAS, SQL, Python, R, MATLAB in the context of data manipulation, data mining, statistical analysis, and predictive modelling;
+ Proficiency in creating and manipulating large datasets for data mining and predictive statistical modelling;
+ Strong knowledge of modern statistical model development and validation concepts and techniques (particularly linear and logistic regression);
+ Strong problem-solving skills, with the ability to independently identify and solve problems in an effective and timely manner;
+ Strong project management skills, with the ability to successfully work with multiple stakeholders to achieve the group's objectives;
+ Strong communication skills (both written and oral), with the ability to effectively present technical, business, and project management subjects to multiple stakeholders.
+ A solid track record of successful development, initial validation, documentation, and implementation of predictive statistical models;
+ 3+ years of work experience in the retail banking industry, and a working knowledge of retail credit products, policies, practices, and strategies;
+ A solid knowledge of concepts and methodologies used in Expected and Unexpected Loss, Allowance, Economic Capital, and regulatory stress testing for retail credit exposures;
+ A working knowledge of concepts and methodologies (such as retail credit risk scoring techniques) used in the assessment of credit risk for retail credit exposures;
+ 3+ years of experience with retail credit risk data, analytics, and risk modelling;
+ A solid knowledge of Basel III requirements, including hands-on experience in developing and implementing Basel II Retail AIRB models;
+ Strong leadership skills and demonstrated ability and willingness to teach, guide, and lead modelling analysts and co-op students.
**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 ( 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
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

**Work Location:**
Toronto, Ontario, Canada
**Hours:**
37.5
**Line of Business:**
Analytics, Insights, & Artificial Intelligence
**Pay Details:**
$76,800 - $115,200 CAD
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:**
TD Model Validation (MV) group is responsible for the independent validation and approval of analytical models used for risk, pricing, hedging, and capital evaluation for portfolio of financial products. This also includes validation of decision-making models.
**Job Description:**
The successful candidate will be a member of the TBSM MV group covering both quantitative and qualitative models designed for TBSM Liquidity Risk Management (LRM) in Canada and U.S. jurisdictions. The position reports to Senior Manager, Advanced Analytics - Liquidity Risk Management Model Validation.
Detailed accountabilities include:
+ Support independent validation of TBSM Liquidity Risk Management (LRM) models developed or owned by TD Treasury and Balance Sheet Management (TBSM) group.
+ Develop and execute a comprehensive validation testing plan to validate different LRM models, according to the enterprise model validation procedures
+ Review US LRM's assessment of the measurement choices / definition and liquidity assumptions or business assumptions / decisions adopted by LRM model and Business Requirement Document (BRD) for model implementation to assess the consistency between BRD and US LRM approved approach.
+ Assess soundness of statistical / mathematic algorithm and choices of upstream valuation & cash flow generation models or customer behavior models according to US LRM approved LRM reporting methodology including assumptions.
+ Assess the data quality and input control / governance process to ensure the acceptance of the model inputs.
+ Conduct validation testing by incorporating comprehensive test cases to assess model implementation accuracy from data enrichment process to the final model outputs and model performance
+ Assess the adequacy of model governance and control
+ Develop a comprehensive issue log for questions / limitations identified during the validation process and effectively communicate with various stakeholders from 1st line with issue severity for appropriate resolution during the validation process.
+ Draft high quality model validation reports with adequate information and justification to support validation conclusions and Audit / regulator review / assessment of validation process and validation analysis.
+ Maintain / develop professional knowledge of techniques and developments in the quantitative analysis in LRM and liquidity risk management and share knowledge with business partners and senior management.
+ Support developing standards and procedures for vetting and validation that are compliant with Bank's internal model risk policy, adhere to industry best practices, and meet regulatory requirements.
+ Support senior management to prepare responses to requests from both Canadian and U.S. regulators, internal and external audit in their review / audit of risk models and vetting / validation process and procedures.
+ Work effectively with internal model development group, audit, and other internal partners to ensure risk models meet required Bank standards.
**Job Requirements:**
+ Advanced quantitative skills with post-secondary degree in one or more of the following areas: Statistics, Economics / Econometrics, Mathematics, Finance, Financial Engineering, and Financial Risk Management.
+ CFA / FRM charter holder or candidate preferred. Qualification data risk management or operational risk management field is an asset.
+ 1-3 years of work experience in model development or model validation in Risk Management. Work experience in Liquidity Risk Management is an asset.
+ Strong technical knowledge and proficiency in programing languages, such as Python, SQL, SAS, and VBA. Familiarity with JSON and Scala is an asset.
+ Hands-on experience in developing and implementing statistical forecasting models (e.g., time-series model).
+ Solid knowledge in financial products / portfolios regarding cash flow patterns, key factors impacting cash flows, and their pricing / valuation approach. Knowledge in financial / regulatory reporting in liquidity risk management is a plus.
+ Work experience in business system analytics roles or in either developing or validating large banking treasury reporting system is an asset.
+ Familiarity with data pipeline process, banking data infrastructure, and data control & governance is an asset.
+ Strong writing skills, especially technical writing, as well as excellent verbal communication skills are must-haves.
+ Inquisitive nature and ability to ask the right questions and escalate issues; and risk & Control mindset with good business acumen is an asset.
+ Strong analytical and problem-solving skills. High attention to details.
+ Good time management and multitasking skills with minimal supervision.
**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 ( 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
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

Job Description

Job Description

At Steer North America , our vision is a world where the critical services and infrastructure that move our communities work better for all of us. Our mission is to be the leading consultancy shaping the future of how people live, work, and connect. We are driven by a passion for creating positive impact through our expertise in critical services and infrastructure. We strive to unlock the potential of our clients and their organizations to help people, places, and economies thrive. For a world in motion, complex challenges deserve powerful solutions, global intelligence and local partnership, technical expertise and independent advice.

We are seeking an experienced consultant to help scale up our Aviation Forecasting & Air Service Development consulting practice across the U.S. and Canada. This practice integrates air traffic forecasting and market analysis (passenger and cargo) with air service development and marketing support for airports.

The successful candidate will play a key role in expanding our presence in the aviation sector by strengthening client relationships, broadening our service offerings, and delivering high-quality projects. This is a growth-focused leadership position, ideal for a professional who combines strong analytical skills with a proven ability to engage airports, airlines, and cargo operators.

Key Responsibilities

Practice Growth & Market Expansion

• Work with senior leadership to scale up the Aviation Forecasting & Air Service Development practice, expanding market share and service capabilities.
• Lead business development activities, including proposal writing, client presentations, and thought leadership initiatives.
• Build long-term relationships with airports, airlines, cargo carriers, and industry stakeholders.

Forecasting & Market Analysis (Passenger and Cargo)

• Direct the development and application of traffic forecasting models for passenger and cargo demand.
• Conduct detailed market assessments to support airport planning, capital investment strategies, and business decisions.
• Track and analyze airline and cargo industry trends to provide actionable recommendations to clients.
• Apply aviation data sources (OAG, Cirium, Diio, BTS, ICAO, IATA, etc.) to deliver robust, evidence-based analyses.

Air Service Development & Marketing

• Support airports in retaining, attracting, and expanding passenger and cargo air service.
• Build route business cases, combining traffic forecasts, competitive benchmarking, and revenue potential analysis.
• Advise airports on incentive programs, marketing strategies, and airline engagement.
• Help airports craft compelling value propositions to airlines and cargo operators.

Project Leadership & Team Development

• Serve as Project Manager or Technical Lead on forecasting and air service development assignments.
• Ensure projects meet scope, schedule, budget, and quality expectations.
• Mentor and develop junior staff, building technical expertise and consulting capabilities.
• Contribute to a collaborative and high-performance culture as the practice grows.

Requirements

Required:

• Minimum of 8 years of experience in the aviation industry, with expertise in air service development, traffic forecasting (passenger and/or cargo), or airline/cargo industry analysis.
• Bachelor’s degree in aviation, economics, statistics, business, or a related discipline.
• Demonstrated success in scaling or expanding a consulting service line, including business development and client growth.
• Strong analytical skills with experience in demand forecasting, market assessments, and route business case development.
• Established network of relationships with airports, airlines, and cargo operators in the U.S. and Canada.

Preferred:

• Advanced degree in aviation management, economics, or related field.
• Experience with forecasting tools, econometric modeling, and aviation databases (OAG, Cirium, Diio, BTS, ICAO, IATA).
• Experience working across both passenger and cargo markets.
• Active involvement in professional organizations such as ACI-NA, AAAE, Routes, or cargo-focused associations.

Benefits

For our US applicants, we offer a competitive package of benefits including private medical, dental, and vision insurance, commuter benefits, a group Share Incentive Plan, a 3% 401k contribution and a discretionary yearly bonus based on annual compensation (dependent upon individual and company performance).

Additionally, we offer up to 44 paid days off - 20 vacation days, 9 public holidays, 3 floating days, 10 sick days, and 2 volunteering days – as well as a semi-annual performance review process.

For our Canadian applicants, we offer a competitive package of benefits including private medical, dental, and vision insurance, a group Share Incentive Plan, a 3% RRSP contribution and a discretionary yearly bonus based on annual compensation (dependent upon individual and company performance).

Additionally, we offer up to 47 paid days off - 22 vacation days, 13 public holidays, 2 volunteering days and 10 sick days – as well as a bi-annual performance review process.

Our evaluation processes are designed around merit and capability. We don’t select people on the prestige of their educational establishments or other background information. Our interviewers are trained on how to manage selection processes fairly and without bias, and to conduct processes which do not selectively appeal more to one or more demographic to the detriment of any others.

Steer is an equal opportunity employer and welcomes all candidates with any legally protected status. Steer will provide accommodation, now or throughout your employment, if needed.

In our commitment to inclusivity in the workplace, Steer has welcomed the creation of various Employee Resource Groups, dedicated to ensuring the support, progression, and well-being of all employees. For more information, check out our social responsibility page.

Part-time and remote working applications will not be considered for this role.

Salary Range - $150,000 – 250,000 w/ benefits

Job Description

Job Description

At Steer North America , our vision is a world where the critical services and infrastructure that move our communities work better for all of us. Our mission is to be the leading consultancy shaping the future of how people live, work, and connect. We are driven by a passion for creating positive impact through our expertise in critical services and infrastructure. We strive to unlock the potential of our clients and their organizations to help people, places, and economies thrive. For a world in motion, complex challenges deserve powerful solutions, global intelligence and local partnership, technical expertise and independent advice.

We are seeking an experienced consultant to help scale up our Aviation Forecasting & Air Service Development consulting practice across the U.S. and Canada. This practice integrates air traffic forecasting and market analysis (passenger and cargo) with air service development and marketing support for airports.

The successful candidate will play a key role in expanding our presence in the aviation sector by strengthening client relationships, broadening our service offerings, and delivering high-quality projects. This is a growth-focused leadership position, ideal for a professional who combines strong analytical skills with a proven ability to engage airports, airlines, and cargo operators.

Key Responsibilities

Practice Growth & Market Expansion

• Work with senior leadership to scale up the Aviation Forecasting & Air Service Development practice, expanding market share and service capabilities.
• Lead business development activities, including proposal writing, client presentations, and thought leadership initiatives.
• Build long-term relationships with airports, airlines, cargo carriers, and industry stakeholders.

Forecasting & Market Analysis (Passenger and Cargo)

• Direct the development and application of traffic forecasting models for passenger and cargo demand.
• Conduct detailed market assessments to support airport planning, capital investment strategies, and business decisions.
• Track and analyze airline and cargo industry trends to provide actionable recommendations to clients.
• Apply aviation data sources (OAG, Cirium, Diio, BTS, ICAO, IATA, etc.) to deliver robust, evidence-based analyses.

Air Service Development & Marketing

• Support airports in retaining, attracting, and expanding passenger and cargo air service.
• Build route business cases, combining traffic forecasts, competitive benchmarking, and revenue potential analysis.
• Advise airports on incentive programs, marketing strategies, and airline engagement.
• Help airports craft compelling value propositions to airlines and cargo operators.

Project Leadership & Team Development

• Serve as Project Manager or Technical Lead on forecasting and air service development assignments.
• Ensure projects meet scope, schedule, budget, and quality expectations.
• Mentor and develop junior staff, building technical expertise and consulting capabilities.
• Contribute to a collaborative and high-performance culture as the practice grows.

Requirements

Required:

• Minimum of 8 years of experience in the aviation industry, with expertise in air service development, traffic forecasting (passenger and/or cargo), or airline/cargo industry analysis.
• Bachelor’s degree in aviation, economics, statistics, business, or a related discipline.
• Demonstrated success in scaling or expanding a consulting service line, including business development and client growth.
• Strong analytical skills with experience in demand forecasting, market assessments, and route business case development.
• Established network of relationships with airports, airlines, and cargo operators in the U.S. and Canada.

Preferred:

• Advanced degree in aviation management, economics, or related field.
• Experience with forecasting tools, econometric modeling, and aviation databases (OAG, Cirium, Diio, BTS, ICAO, IATA).
• Experience working across both passenger and cargo markets.
• Active involvement in professional organizations such as ACI-NA, AAAE, Routes, or cargo-focused associations.

Benefits

For our US applicants, we offer a competitive package of benefits including private medical, dental, and vision insurance, commuter benefits, a group Share Incentive Plan, a 3% 401k contribution and a discretionary yearly bonus based on annual compensation (dependent upon individual and company performance).

Additionally, we offer up to 44 paid days off - 20 vacation days, 9 public holidays, 3 floating days, 10 sick days, and 2 volunteering days – as well as a semi-annual performance review process.

For our Canadian applicants, we offer a competitive package of benefits including private medical, dental, and vision insurance, a group Share Incentive Plan, a 3% RRSP contribution and a discretionary yearly bonus based on annual compensation (dependent upon individual and company performance).

Additionally, we offer up to 47 paid days off - 22 vacation days, 13 public holidays, 2 volunteering days and 10 sick days – as well as a bi-annual performance review process.

Our evaluation processes are designed around merit and capability. We don’t select people on the prestige of their educational establishments or other background information. Our interviewers are trained on how to manage selection processes fairly and without bias, and to conduct processes which do not selectively appeal more to one or more demographic to the detriment of any others.

Steer is an equal opportunity employer and welcomes all candidates with any legally protected status. Steer will provide accommodation, now or throughout your employment, if needed.

In our commitment to inclusivity in the workplace, Steer has welcomed the creation of various Employee Resource Groups, dedicated to ensuring the support, progression, and well-being of all employees. For more information, check out our social responsibility page.

Part-time and remote working applications will not be considered for this role.

Salary Range - $150,000 – 250,000 w/ benefits