Job Description

What is the opportunity?

The Senior Director, HEF (Home Equity Finance) Transformation will have full accountability for leading RBC's mortgage digital transformation journey—a critical strategic initiative to strengthen our leading market share position in Canada. This role encompasses oversight of two foundational, interdependent technology transformation programs: homeX and the Linx replacement, both essential to building a more resilient and future-ready business model.

You will lead a complex, multi-stakeholder transformation roadmap that aligns business strategy, technology modernization, and client experience innovation. Partnering closely with a broad set of stakeholders, you will drive the execution and success of our North Star vision: delivering diversified and personalized client mortgage experiences. This includes stewarding key initiatives including the recently launched Digital Pre-Approval application—a competitive differentiator and key milestone in meeting clients on their homeownership journey.

What will you do?

Strategic Leadership & Roadmap Execution:

Lead the transformation of HEF's end-to-end value chain across two critical projects (homeX and Linx replacement), integrating execution across digital, operations, technology, change management, and product.

Own the complex, multi-stakeholder transformation roadmap; orchestrate dependencies and trade-offs across interconnected initiatives.

Define and communicate a bold, compelling product vision that articulates customer value, business impact, and competitive advantage to diverse audiences (team members, stakeholders, executives).

Cross-Functional Collaboration & Governance:

Partner with key business stakeholders and advisory partners to ensure alignment, understand critical interdependencies, and integrate capabilities into a seamless client and advisor experience.

Facilitate connections, negotiate with competing priorities, manage conflicts, and make informed trade-off decisions balancing time-to-market, cost, and value delivery.

Integrate with other RBC lines of business to identify opportunities to partner and build horizontal, re-usable capabilities.

Design & Decision-Making:

Make critical decisions on target state design and execution plans, including pricing, property valuation, adjudication, and risk management strategies.

Leverage data (application, research, analytics, market intelligence) to inform decisions and establish meaningful success criteria.

Identify the greatest value drivers for clients, advisors, and shareholders; predict outcomes and optimize portfolio profitability.

Team Leadership & Culture:

Build and develop a high-performing team that works effectively across functions.

Act as a servant leader—actively listening, removing obstacles, and involving team members in decisions.

Set clear, realistic goals focused on highest-value activities aligned with North Star vision.

Advocate for customer needs and act as a key advisor to multiple enterprise partners.

What do you need to succeed?

Must have:

Proven track record creating and delivering complex, multi-disciplinary transformation programs with multiple concurrent workstreams

10+ years of financial services experience

5+ years of strategic leadership experience

Experience partnering with cross-functional teams (technology, operations, sales, legal, risk, compliance)

Ability to translate complex ideas into impactful work streams and measurable outcomes

Strong analytical and credit proficiency; experience leveraging analytics to optimize performance and predict outcomes

Demonstrated ability to lead in ambiguous, high-stakes environments with multiple stakeholders

Curiosity and passion for building end-to-end solutions for clients and advisors

Nice to have:

Home Equity Finance or mortgage industry experience

Previous digital transformation leadership

Experience managing a P&L with deep understanding of portfolio profitability drivers

Experience launching consumer-facing financial products

What’s in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

Opportunity to make a lasting impact on RBC's strategic position in Canada's mortgage market

Lead transformative work on a competitive differentiator in the industry

Work within a dynamic, collaborative, and high-performing team

Engage with senior leadership and shape the future of mortgage finance

Contribute to our North Star vision of delivering exceptional, personalized client experiences

Job Skills

Budgeting, Business Oriented, Cross-Team Collaboration, Decision Making, Information Technology (IT) Projects, Interpersonal Relationship Management, Long Term Planning, Resource Management, Strategic Thinking, Vision Alignment

Additional Job Details

Address:

RBC WATERPARK PLACE, 88 QUEENS QUAY W:TORONTO

City:

Toronto

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

PERSONAL & COMMERCIAL BANKING

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2026-02-09

Application Deadline:

2026-02-24

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Inclusion and Equal Opportunity Employment

At RBC, we believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

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RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.