Work Location:
Wilmington, Delaware, United States of America
Hours:
40
Pay Details:
$120,000 - $136,240 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:
Risk Management Job Description:
We are seeking a highly analytical and strategic Credit Card Collections Strategy Manager to drive performance optimization across the collections lifecycle. This role will leverage advanced data analytics and segmentation techniques to design, test, and optimize collections strategies that improve customer outcomes while ensuring compliance with regulatory standards.
The ideal candidate brings deep experience in credit card collections, strong analytical capabilities, and a knowledge-seeking, hypothesis-driven mindset to continuously refine strategies.
Key Responsibilities
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)
Support digital transformation initiatives, including automation and vendor integrations
The Ideal Candidate will have:
Experience with customer, risk and portfolio segmentation
Experience building and driving credit risk and collections strategies
Experience with A/B Testing
Familiarity with the test-and-learn framework
Experience with experimental design
Experience with decision-trees
Champion/challenger testing
Depth & Scope:
Demonstrates governance, control and risk management behaviors in alignment with TD policies and practices
Leads/participates in the identification, development and implementation of new initiatives, operating workflow, additional services/applications or operational efficiencies including potentially leading special project teams or cross functional work groups
Assists with developing and enhancing credit risk assessment capabilities to identify and maintain good business opportunities with new and existing clients
Performs detailed analysis and interprets information to make recommendations to Senior Management on critical strategies including non-standard and ad-hoc requests as determined by management
Creates reports on the results of implemented strategies, using all appropriate quantitative methods and MIS, and makes recommendations to increase efficiencies and revenue while managing credit risk and produce those reports on a regular basis
Effectively works cross-functionally with teams outside of risk
Works with Internal Audit / External Regulators, to ensure that documentation for all work processes is complete and up-to-date
Ensures sound credit control by taking a pro-active approach to risk management within…