Work Location:

Charlotte, North Carolina, United States of America

Hours:

40

Pay Details:

$141,960 - $213,200 USD

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.

Line of Business:

Product Management

Job Description:

We are seeking an experienced, hands-on process optimization leader who leverages multiple inputs—process observations, data, industry benchmarks, and other sources—to drive tangible, measurable results. This role blends hands-on, individual contributor work with leadership responsibilities, requiring direct involvement in observing business processes and analyzing data while guiding a high-performing team. You will begin by using observations and data to identify root causes and to define data models that quantify product outcomes and illuminate optimization opportunities across RESL (Real Estate Lending). With deep Residential Lending domain knowledge, you’ll translate insights from process observations, data, and benchmarks into actionable recommendations, influence decisions, leading to measurable optimization across RESL. The leader will head a team delivering cross-RESL optimization and performance insights maintaining a relentless focus on OKRs and KPIs, regularly sharing progress, optimization recommendations and results in executive forums.

You will generate and surface process observations supported by data-driven insights that reveal optimization opportunities across Residential Lending, translating them into prioritized, actionable actions with clear owners and expected impact. Design, implement, and maintain data models and dashboards that quantify product outcomes and map to optimization levers and business objectives. Lead a team delivering cross-RESL insights and prioritized optimization efforts ensuring tangible improvements. Establish an insights-to-action framework: diagnose root causes, quantify uplift, propose next-best steps, and track realization and impact. Collaborate to inform Target State operations design with insights and experience.

This role requires strong thought leadership, clear communication and storytelling, and collaboration across functions at all levels to ensure a cohesive, data-driven approach to understanding our business and guiding decision-making. Credibility and influence with senior leadership are critical, as is high emotional intelligence, strategic thinking, and the ability to translate insights into actionable plans, navigate ambiguity, and foster collaboration across diverse teams to ensure impactful and efficient outcomes.

Depth & Scope:

• Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required
• Provides strategic direction in developing and implementing the Bank's products, services, programs and projects including features, benefits and characteristics that meet customer needs. Responsible for formulating strategy, policy and overall direction of the identified product or suite of products portfolio.
• Acts as the expert on the market and maintains vigilance gathering industry expert opinions and qualitative market data for different market segments. 
• Leads business plans leveraging Acquisition and Segments teams to increase new account growth and track P&L impact
• Ensures effective ways to deliver complete solutions to identify market problems and ensures gaps are identified and filled.
• Reviews and approves business and expense plans and tracks success and effectiveness of product development delivery and implementation.  Develops and manages the product development calendar and oversees the successful and seamless execution of deliverables.
• Manages the identification of competitive offerings in the market and their strengths and weaknesses.  Prioritizes the presence and relative importance of key product deliverables. 
• Determines the methodology to quantify market analysis to look at internal measurements and product performance to determine how the product impacts the Company operations including product life cycle, quality, technical support, marketing programs and sales support. 
• Oversees the creation of product roadmaps to illustrate the vision for the product.  Plans product solutions thatmeets our clients needs. . 
• Ensures the creation of scenarios to describe the evolving changes within the market and illustrate why product features/ benefits are necessary for acquisition and retention. 
• Directs market research projects and recommends methods for growing existing markets and developing opportunities for customer products and services.
• Consults and advises executive management on the marketing initiatives related to major Company activities. 
• Studies, analyzes and reports on quality of service, customer attitudes, economic conditions and government controls with respect to their effect on sales of existing or proposed products and services. Collaborates with business lines in establishing new services and products.
• Demonstrates effectiveness in creating and using conceptual frameworks to structure the develop insights into the consumer; as a result, demonstrates a high level of analytical rigor in formulation of product insights.
• Ensures the team effectively implements and monitors product/segment performance against objectives, recommending enhancements to ensure a consistent customer, brand experience
• Delivers 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 results (acquisition, retention, customer experience, engagement and market share)
• Partners with key business leaders to develop business plan, ensuring the optimal use of resources and leverages TD’s operating model to maximize efficiency, effectiveness and scale
• Liaises with partners (i.e. Marketing, Phone Channel, Retail) to understand industry and customer trends; analyze challenges and identify areas of opportunity through customer research, focus groups, and external secondary research; facilitate ideation sessions and build necessary business cases for NPD, identifying solutions and building stronger plans for growth
• Ensures all products are in compliance and meet all regulatory requirements
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
• Ensures employees are knowledgeable; and assumes responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct

Education & Experience:

• Bachelor’s degree or progressive work experience in addition to experience below.
• 10+ years related experience required
• Proven senior management leadership skills to lead a team of product management experts
• Ability to develop and effectively drive product strategies throughout the organization
• Proven experience in product research, product analysis and development, forecasting, pricing and competitive intelligence
• Superb communication, problem-solving and decision making skills with ability to effectively communicate with executive management
• Proven ability to build strong collaborative business relationships
• Demonstrated ability to negotiate and apply skills to exercise influence over others decisions without express authority and influence mass change management
• Experience in leading project management and delivering on time and within budget
• Proven experience in product pricing, financial statements and ensuring budget targets are met or exceeded
• Expert knowledge of current and emerging competitor and market trends
• Ability to exercise sound judgement in making decisions
• High proficiency  in preparing and managing budgets and P&L
• Knowledge of and/or skill in using analytical software tools, data analysis methods and reporting techniques
• Ability to handle confidential information with discretion

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 (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. 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.

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

TD Bank is an equal opportunity employer.  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.

If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at [email protected].  Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.