Senior Product Manager - Embedded Banking

Work Location:United States of AmericaHours:40Pay Details:$110,760 - $178,880 USDTD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.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:Product ManagementJob Description:The Senior Product Manager oversees the end to end management of assigned products, services and programs including features, benefits and characteristics that meet customer needs and are priced to meet the Bank's profit and loss objectives. The Senior Product Manager is accountable for building value proposition the business wants to deliver and mapping the investments required to get there. This role is responsible for formulating strategy, policy and overall direction of the identified product or suite of products portfolio.Depth & Scope:Recognized as a strategic thinker with significant in-depth and/or breadth of expertise in a complex field and knowledge of broader related areasAccountable for major functional areas with mass or niche products/segment suite and high levels of complexity and attributesGenerally accountable for a significant product management area that typically has enterprise wide impact or accountabilityEnterprise or functional expert, requiring broad managerial and deep specialized knowledge at the enterprise, business, regulatory and industry levelsSenior specialist providing advisory services to executives, business segment leaders and governs the requirements for own workMay lead on product programs and projects on behalf of the businessSolves unique and ambiguous problems with broad impact; typically oversees standards, controls and operating methods that have significant financial and operational impact within the context of their own fieldDevelops and maintains a robust understanding of the regulatory requirements, customer, market, and industry to deliver product and process innovation to improve the value propositionDevelops and implements products/policies and procedures in such a way that it enhances the end to end customer experience while achieving business objectivesOversees and ensures the clear and effective delivery of products and services to the customerActs as Subject Matter Expert for product-related inquiriesMay lead business plans leveraging Acquisition and Segments teams to increase new account growth and track P&L impactLiaises with partners (i.e. Marketing, Phone Channel, Retail) to understand industry and customer trends; analyzes challenges and identifies areas of opportunity through customer research, focus groups, and external secondary research; facilitates ideation sessions and builds necessary business cases for NPD, identifying solutions and building stronger plans for growthBuilds and maintains effective relationships with sales distribution, key internal stakeholders and/or external partners to ensure that customer needs are considered in strategic decisions and in the development of options, solutions and alternativesLeads and facilitates problem solving sessions with partners and vendorsDesigns end to end process for development, implementation, use, reporting and feedback on developed products and segmentsDirects and coordinates market research to determine underlying customer needs - input to development processParticipates in the day to day management of the product(s), identifying and implementing product features and enhancements, providing business case support of recommendations and assisting in the strategic development of new initiativesAdheres to enterprise frameworks or methodologies that relate to activities for own business areaDelivers financial results for the product/product suite via operation of all available levers: pricing, margin, volume etc., creates and delivers business cases to achieve strategic business resultsSupports Senior Management as a subject matter expert for the product(s) portfolio through all forms of written and verbal presentationsConducts ongoing industry and competitive analysis to obtain market insights and ensure Acquisition Teams are kept informed of matters to be competitive and win in the marketplaceKeeps current on emerging trends/developments and grows knowledge of the business, related tools and techniquesRefines product management strategies through detailed analysis of the P&L, ongoing competitive research and review of marketing/risk management tacticsEnsures effective product policies and processes are established to support business processes align with risk appetiteOversees product management deliverables within budget and as per the approved product plan, working with business partners to develop the content of those deliverablesChampions the development of the annual business plan and the monthly/quarterly forecast processContributes to and supports partner led projects as identifiedParticipates and collaborates on initiatives with internal and external service providers to ensure the product meets TDBG objectives and standardsIdentifies and manages risks (market, credit, operational) associated with the product/segmentDevelops/maintains productive working relationships with distribution channel ownersIs knowledgeable of and complies with Bank and Industry Codes of ConductMaintains a culture of risk management and control, supported by effective processes in alignment with risk appetiteEducation & Experience:Undergraduate degree or product certificate and/or10+ years relevant experiencePrevious Product experience requiredExperience in leading strategy strongly recommendedAdvanced knowledge of and ability to conduct product research, product analysis and development, forecasting, pricing, competitive intelligenceKnowledge of current and emerging competitor and market trendsAdvanced ability to lead, plan, implement and evaluate program/project activities to ensure completion of product initiativesAbility to forecast and contribute to strategic direction of the product management function and provide advice to senior leadershipAbility to establish goals and objectives that support the strategic planSkill in mentoring, coaching and performance managementAbility to communicate effectively in both oral and written formAbility to work collaboratively and build relationships across teams and functionsAbility to work successfully as a member of a team and independentlyAbility to exercise sound judgement in making decisionsAbility to analyze, organize and prioritize work while meeting multiple deadlinesSkill in preparing and managing budgets and P&LKnowledge of and/or skill in using analytical software tools, data analysis methods and reporting techniquesSkill in using computer applications including MS OfficeAbility to handle confidential information with discretionEmployee/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 interestProvides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unitParticipates in personal performance management and development activities, including cross training within own teamKeeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activitiesContributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practicesLeads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationshipsContributes to a fair, positive and equitable environment that supports a diverse workforceActs as a brand ambassador for your business area/function and the bank, both internally and/or externallyThe above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.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 base salary and variable compensation/incentive awards 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.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.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.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:If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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