Applied Machine Learning Scientist I - Pricing Analytics

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 Pricing Analytics team is dedicated to leveraging advanced data analytics to develop sophisticated predictive models that drive strategic decision-making across all phases of the Property and Casualty Insurance lifecycle. Our mission is to optimize risk selection and maintain market leadership through data-driven insights and innovative solutions.

Job Description

As an Applied Machine Learning Scientist working within the Pricing Analytics team, you will collaborate with actuaries, data scientists and applied machine learning scientists in delivering cutting-edge analytical solutions alongside the TDI Pricing team. You will contribute to designing and implementing end-to-end machine learning solutions, from data preprocessing and feature engineering to model architecture design and inference pipeline development. In this role, you will help challenge conventional approaches and participate in reframing business problems through an innovative lens. You will support the team in leveraging cutting-edge methodologies and technologies to transform traditional insurance use cases into breakthrough solutions.

Key Accountabilities

• Design, develop, and implement machine learning models and algorithms to solve complex business problems
• Take new perspectives on existing solutions, independently perform tasks from end to end to deliver quality results and meet timelines.
• Provide expertise on mathematical concepts for the broader analytics team and inspire the adoption of advanced analytics and machine learning across the organization.

• Conduct internal research projects; support the development/ delivery of presentations / communications to management or broader audience.

• Provide thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit.
• Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques.

• Work autonomously and is accountable for sound knowledge in a given AI/ML area and of various AI/ML frameworks, tools, processes and procedures, as well as organization issues, best practices and business/organization standards.

Job Requirements

• Undergraduate degree required, advanced technical degree preferred (e.g., math, physics, engineering, finance or computer science) Graduate's degree preferred with either progressive project work experience.
• 2+ years work experience in an industry setting
• Excellent programming skills, preferably python. Knowledge of lower-level languages is a plus.
• Deep understanding of a broad spectrum of modern machine learning techniques and their practical applications
• Sound knowledge of applications, systems, innovation, design activities and best practices
• Advanced analytical, decision-making and problem-solving skills
• Client-focused and aptitude for teamwork
• Outstanding communication skills with ability to articulate complex technical concepts to varied audiences, from technical teams to senior leadership
• Excellent time management skills with a proven ability to meet deadlines.
• Autonomous and perseverant; shows initiative and creativity in their work
• Recognized for their thoroughness and the quality of their work

Prefered Qualifications

• Undergraduate degree required, advanced technical degree preferred (e.g., math, physics, engineering, finance or computer science) Graduate's degree preferred with either progressive project work experience.
• 2 years + work experience in the industry
• Experience with Generative AI or insurance pricing models would be a plus
• Experience with cloud computing platforms (AWS, Azure, or GCP)
• Knowledge of modern data architecture and big data technologies (Databricks, Snowflake, Spark, etc.)

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

Additional 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):
Maîtrise d'une langue autre que le français pour offrir du soutien ou traiter avec des employés ou des collègues qui ont besoin de services et de soutien dans une langue autre que le français.