Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Product Management

Pay Details:

$76,800 - $115,200 CAD

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.

Job Description:

Key Accountabilities:

Customer:

Maintain up to date awareness of regulatory, competitive and industry landscape to obtain market insights; assess where gaps exist, support the implementation of solutions which meet or exceed customer expectations

Provide input to Product Managers through conducting forecasting and modelling activities to support the planning process

Support the development, implementation and understanding of training material, procedures for new products and/or processes

Develop and maintain customer and employee-facing documentation and communication materials in conjunction with key partners, i.e. Marketing, CAPA

Conduct impact assessments (on customers, operations & financials) when changes affecting our products are proposed

Act as an escalation point for customer, process or operational issues, and further escalate as required to management

Liaise with various partners and stakeholders in the resolution of issues

Recommend and champion strategies to enhance the customer experience

Recommend solutions to improve the product, pricing, service, and/or process

Interact with vendors and other external parties for business function management

Liaise with various partners to understand front-line trends (Whiteboard, Phone Channel call listening, etc.) identifying opportunities to improve the customer and employee experience

Shareholder:

The ideal candidate should be willing to network with stakeholders across various cross-sectional units within Canadian Credit Cards and any other relates businesses

Assist in development and maintenance of Credit Risk Acquisition Policies for Canadian Retails Credit Cards portfolio

Proactively identify key business opportunities, research, and recommend enhancements / modifications to achieve Canadian Personal Banking objectives

Monitor and communicate the effectiveness of credit risk strategies, programs, and practices related to own area of expertise

Protect the interests of the organization – identify and manage risks, and escalate non-standard, high-risk transactions / activities as necessary

Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts

Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite

Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct

Identify and manage credit and other associated risks related to Credit Cards Acquisition

Be knowledgeable of and comply with Bank and Industry Codes of Conduct

Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite

Employee / Team:

Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest

Support the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit

Participate in personal performance management and development activities, including cross training within own team

Keep others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities

Contribute to the success of the team by willingly assisting others in the completion and performance of work activities; provide training, coaching and/or guidance as appropriate

Contribute to a fair, positive and equitable environment that supports a diverse workforce

Act as a brand champion for your business area/function and the bank, both internally and/or externally

Breadth & Depth:

Expert level professional role requiring in-depth knowledge / expertise in own domain / field of specialty and working knowledge of broader related areas

Provide first level strategic input and advice for activities in other business/ functional areas, and guidance and advice to others on area of expertise

Act as Subject Matter Expert for product-related inquiries and to review / recommend product details for customer collateral, including internal and external sources (Intranet, Internet, brochures, customer letters, marketing material, welcome packages).

Integrate the broader organizational context into advice and solutions within own area

Solve complex problems requiring analysis of multiple variables, including consultation with multiple stakeholders

Use advanced methods to contribute to new solutions and recommend standards against which others will operate

Work within broad guidelines / policies and independently performs tasks from end to end

Work performed under moderate management guidance and supervision

Key resource in delivering day-to-day projects and initiatives

Typically reports to Senior Manager, Product

Experience & Education:

Undergraduate degree or technical certificate and/or

3+ years relevant experience

Previous Retail Credit Risk or Product experience preferred

Experienced with using MS Office Tools for the manipulation and visualization of data

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):

Sans Objet