TD Bank Hiring for Product Group Owner – Credit Management at Wilmington, Delaware Full Time

431599BR

Job Title:

Product Group Owner – Credit Management

Company Overview:

Our Values

At TD, we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and behaviors. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career, and be part of our caring and inclusive culture.

Making Your Well-being a Priority

A caring and supportive culture that promotes colleague well-being is core to who we are. At TD, we focus on total well-being with extensive programs to help colleagues assess, manage, and improve their well-being across four core pillars — physical, financial, social and mental/emotional. In addition, we champion a safe and inclusive work environment, so colleagues feel a sense of belonging and feel supported in their personal and professional growth. Through our focus on well-being, we know that we can help our colleagues thrive, contribute to our culture of care, and support better business outcomes, because when colleagues feel their best, they’re more likely to do their best.

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.

How We Work

At TD, we believe in-person connections fuel collaboration and collective creativity. Our workplace experience empowers colleagues to do great work side-by-side at TD locations, while offering flexibility to work remotely where it makes sense for the work and team. Our teams work in one of three workplace models: hybrid, onsite and primarily remote. Wherever our colleagues are working, they’ll always have access to the TD community to experience our culture of care.

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.

Auto req ID:

431599BR

Department Overview:

The Product Group Owner is accountable for pulling together the strategic direction and prioritization of the US Credit Cards and Unsecured Lending (CCUL) roadmaps on behalf of the business. As part of this role, will partner across CCUL and business partners on ideation, business value, prioritization, and budget planning processes. Will also own the business architecture of the cards platform and assess how projects and new opportunities align within it.

Country:

United States, US TD Footprint

Job Requirements:

• 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 that meets 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

Hours:

Standard Business Hours

Job Details:

The Product Group Lead provides senior level 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. Accountable for building a strong talent pipeline within the team.

Inclusiveness:

Our Commitment to Diversity, Equity, and Inclusion

At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.

Accommodation

If you are a candidate 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.

How We’re Helping Make an Impact in Communities

TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of $1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

We look forward to hearing from you!

State:

Delaware, Connecticut, District of Columbia, Florida, Georgia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, TD Footprint

City:

Atlanta, Baltimore City, Boston, Burlington, Charlotte, Cherry Hill, Concord, Fairfield, Greenville, Miami, Mount Laurel, New York, Philadelphia, Portland, Providence, TD Footprint, Vienna, Washington, Wilmington

Qualifications:

• 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

• Experience and understanding of credit card products and processing systems preferred

• Knowledge of credit policy management and underwriting practices preferred

• Ability to understand and influence operational processes preferred

• Ability to drive change processes for effective delivery of new capabilities preferred

• 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

• Must be eligible for employment under regulatory standards applicable to the position.

Work Location:

Mt Laurel – 6000 Atrium Way

Business Line:

TD Bank AMCB

Job Category – Primary:

Product Management & Development

Job Category(s):

Product Management & Development

State (Primary):

New Jersey

State #2:

New York

State #3:

Florida

State #4:

Massachusetts

State #5:

Pennsylvania

State #6:

South Carolina

State #7:

Connecticut

State #8:

New Hampshire

State #9:

Maine

State #10:

Vermont

City (Primary):

Mount Laurel

City #2:

New York

City #3:

Miami

City #4:

Boston

City #5:

Philadelphia

City #6:

Greenville

City #7:

Fairfield

City #8:

Concord

City #9:

Portland

City #10:

Burlington

Time Type:

Full Time

Employment Type:

Regular

Job Searches Match:

Statewide

State #11:

Virginia

State #12:

Maryland

State #13:

Delaware

State #14:

Rhode Island

State #15:

District of Columbia

State #16:

North Carolina

State #17:

Georgia

City#11:

Vienna

City #12:

Baltimore City

City #13:

Wilmington

City #14:

Providence

City #15:

Washington

City #16:

Charlotte

City #17:

Atlanta

Pay Range:

$139,360 – $226,720 annually

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