Work Location:Toronto, Ontario, CanadaHours:37.5Line of Business:Analytics, Insights, & Artificial IntelligencePay Details:$81,600 - $115,200 CADTD 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:The Canadian Personal Banking (CPB) Analytics, Insights and Artificial Intelligence (AI2) team supports the day-to-day activities of the CPB businesses, working with business partners to address their analytics needs by providing end-to-end support of data, reporting, analytics, insights, and artificial intelligence solutions.The Real Estate Secured Lending (RESL) AI2 team is responsible for supporting product and pricing strategies, product development, customer lifecycle management, and the financial performance of Mortgage and Home Equity Line of Credit Products. This Data Scientist II, Real Estate Secured Lending role reports into the Senior Manager, Data Science.Job Description:As a Data Scientist in Real Estate Secured Lending, you will be responsible for developing, maintaining, and enhancing pricing models to support decision making. You will collaborate closely with business owners and partners to understand business objectives, identify data needs, and deliver actionable insights that drive strategic improvement. The team routinely collaborates with diverse stakeholders across the RESL business, Treasury, Analytics, Insights and Artificial Intelligence, and more.Key Responsibilities include:Develop, validate, and maintain pricing models using statistical, machine learning, and data mining techniques.Partner with business stakeholders to understand objectives, gather requirements, and translate business needs into analytical solutions.Use programming languages (Python, Pyspark, SQL) to extract and prepare data, apply statistics and various advanced analytics along with business acumen to inform recommendations and insights from large datasets.Visualize insights from data to illustrate stories that clearly convey the meaning of results to decision-makers and stakeholders at every level of technical understanding.Collaborate with other partners, such as AIML scientists, data and business analysts, software engineer, data engineers, and application developers to develop scalable and sustainable machine learning/data science solutions that retain long term benefit to the business.Clearly communicate the value, principles and math behind the scientific process such as hypothesis testing and statistical validation to drive organizational excellence.Provide thought leadership and/or industry knowledge for own area of expertise and participate in knowledge transfer within the team and business unit.Job Requirements:Undergraduate or advanced technical degree (e.g., math, statistics, engineering, finance, or computer science); graduate's degree preferred with progressive work experience3+ years of relevant experience in analytics, data science and/or consulting, ideally in an influencing or advisory capacity.Demonstrated knowledge and application of analytical languages/tools/platforms such as Python / Pyspark, SQL, Tableau, PowerBI, Databricks, on large datasets with a track record of delivering business impact and results.Strong problem-solving skills, with the ability to navigate ambiguous issues and deliver well-defined solutions.Excellent communication skills, with experience presenting insights to executive leaders and business partners.Able to participate as part of a team with targeted deliverables, working on initiatives designed to improve decisions, processes, systems, and applications which support our businesses.Knowledge and demonstrated experience developing and implementing data driven pricing strategies are considered a strong asset.Knowledge of consumer lending, Real Estate Secured Lending, and pricing and hedging strategies/modeling considered a strong asset.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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.Our Total Rewards PackageOur 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 moreAdditional 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 DevelopmentIf 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.If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.Training & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’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.AccommodationYour 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#J-18808-Ljbffr