Work Location:

United States of America

Hours:

40

Pay Details:

$160,000 - $220,000 USD

TD 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 Management

Job Description:

The Head of US Bankcard has accountability for TD branded credit card products (consumer, small business and corporate) ensuring product offerings maximize contribution to TD profitability, complement the retail suite of products, meet evolving customer needs and contribute to building TD customer base. This role optimizes the direct credit card model resulting in increasing customer acquisitions to TD.

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
• Responsible for the management of TD branded credit card products including product strategies, pricing and P&L
• Supports the growth and development of the portfolio by identifying strategic opportunities, evaluating potential business initiatives, developing business plans and supporting execution of key strategic initiatives
• Develops and implements plans and strategies to ensure achievement of market share and revenue/profitability objectives for the business, maximizing customer experience while ensuring compliance with all relevant regulatory standards and guidelines
• Develops unique points of product differentiation and consumer value as stand alone products and part of the broader TD product suite
• Generation of new accounts through direct marketing and multi-channel distribution to include direct mail, on-line, mobile, event, etc.
• Develops a robust marketing channel innovation program together with marketing organization
• Builds a robust analytic marketing optimization model and capability to deliver annual new account goals and return on marketing investment including overseeing the methodology and processes around modeling and predictive tools to support managing new account acquisitions, segmentation, portfolio management and new product development
• Develops and implements a sustainable process for new product evaluation / development that considers all external and internal inputs (customer insights, market insights, competitive intelligence, risk, profitability, etc.)
• Develops and maintains effective relationships and partnerships internally and externally to support the achievement of business objectives
• Works closely with risk organization on all aspects of acquisition marketing Lead compliance and 1st line of defense for Card acquisition Identify, mitigate and report on risk issues per Bank policy and guidelines
• Ensures that business operations are in compliance with applicable internal and external requirements (ie. Financial controls, segregation of duties, transaction approvals, and physical control of assets) and that appropriate escalation processes are followed
• As a senior leader in the organization, oversees strategies to attract, motivates and retains a highly qualified human resource base to achieve business objectives

Education & Experience:

• 4-year degree or the equivalent combination of education and work experience required. MBA preferred
• A minimum of 10 years of experience in progressively more responsible roles within credit card organizations, including P&L management
• Strategic thinker and planner with progressively responsible experience in credit card product management, marketing and acquisitions
• Proven knowledge of credit card industry practices, products and services, including full range of activities from customer acquisition to program set-up and ongoing administration
• Strong understanding of direct, multi-channel, marketing concepts
• Advanced leadership skills with senior executive experience heading major portion of division business
• Comprehensive knowledge of division financials
• Proven effectiveness in consulting on operational problems and implementing workable solutions
• In-depth understanding of technology's role in the business
• Advanced level negotiation and influencing skills
• Strong communication and presentation skills

Customer Accountabilities:

• Understands and supports the Banks Customer Service Strategy
• Considers the impact of advice and decisions on the well-being of the Bank, as well as its customers, its employees and stakeholders
• Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity
• Leads, coaches and models quality service delivery at every interaction
• Supports the ongoing improvement of the partner/Customer experience

Employee/Team Accountabilities:

• Sets appropriate context for the business unit/function to enable optimal performance and alignment to strategy
• Supports the creation of goals and objectives for the business unit/function. Communicate those goals and objectives to the team
• Builds capability support / executes plans to acquire, develop and retain the diverse teams with the skills and experience necessary to realize on current and future business strategies
• Role models behaviors consistent with TD's leadership profile, customer and employee experience agendas and risk and control culture
• Creates an extraordinary place to work advance and sustain a unique, inclusive culture that reflects TD's diversity agenda, and creates an extraordinary employee experience
• Leads, coaches and develops a highly effective team by ensuring ongoing training and performance and development management

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

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 [email protected]. 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.