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About the Role

This Director role holds overall P&L accountability for the credit card product portfolio. Responsibilities include defining strategy and roadmaps for feature enhancements to grow purchase volume and account receivables, increase customer engagement, and ensure compliance and resiliency. The role builds and maintains strategic relationships, operates within risk tolerance, and leads a team to achieve business objectives. As a leader, this position drives change and establishes cross-functional collaboration for product management discipline.

Responsibilities

Own the P&L for the PC Mastercard product line, defining vision, managing strategy, and setting annual plans to grow purchase volume and revolving balances.
Manage all aspects of the product portfolio, including sales, market share analysis, research, portfolio metrics reporting, pricing, revenue optimization, and competitive positioning.
Collaborate with Credit Risk, Acquisition, Customer Engagement, Operations, Finance, and Treasury to ensure alignment with performance metrics.
Establish and monitor key KPIs for purchase volume, balance growth, customer engagement, and overall portfolio performance, leveraging analytics for proactive tactics.
Develop and launch new products or features with a digital-first approach.
Evaluate the current product portfolio based on evolving customer needs, competitive offerings, and regulatory changes.
Leverage an agile framework for planning, execution, and evaluation of projects and feature enhancements, coaching the team on agile methodologies.
Establish and maintain cross-enterprise and third-party partnerships, evaluating opportunities to improve product desirability.
Provide ongoing strategy, visibility, and business progress to senior leadership through business reviews and portfolio updates.
Recruit and lead a high-performing team, fostering a culture of collaboration and ownership.
Stay informed on regulatory changes to ensure departmental procedures, projects, and practices comply with regulations.

Requirements

Bachelor’s Degree in Business, Finance, or Engineering
8+ years of professional experience, preferably in credit cards, unsecured lending, or payments
Experience developing and implementing customer-centric strategies and tactics
Proven ability to manage and prioritize multiple strategic initiatives while managing cross-enterprise stakeholders
Experience in loyalty programs (asset)

Skills

Strategic thinking
Thought leadership
Analytical skills
People leadership
Ability to thrive in fast-paced, ambiguous environments
Exceptional communication skills
Presentation skills
Strong interpersonal skills
Collaboration skills

Location

500 Lake Shore Boulevard West, Toronto, Ontario, M5V 2V9

Experience Level

8+ years of professional experience

Education Level

Bachelor’s Degree in Business
Bachelor’s Degree in Finance
Bachelor’s Degree in Engineering

Salary/Compensations

$145,000.00 - $195,000.00 per year

About the Company

PC Financial offers unprecedented value to Canadians through payment products.
We are a collaborative and supportive bank team with freedom and responsibility to thrive.
Our purpose is to make everyday life simple and better for customers, ensuring every dollar is worth more.
Proudly serving over 3 million customers, PC Financial grows by offering rewarding payment solutions and services.
As a subsidiary of Loblaws Company Inc., we share CORE values: Care, Ownership, Respect, and Excellence.
We are dedicated to helping Canadians Live Life Well.
We are committed to transforming the everyday banking experience and providing unprecedented value to customers.
We seek entrepreneurial spirits to drive our vision forward, offering freedom to envision, conceptualize, and collaborate in a fast-paced environment.

Equal Opportunity

We recognize the importance of a diverse workforce and encourage applications from Aboriginal Peoples, women, members of a visible minority, and persons with a disability.
PC Financial recognizes Canada's diversity as a source of national pride and strength, reflecting it in products, hires, and organizational culture.
Accommodation is available upon request for applicants and colleagues with disabilities.
Compliance with laws is part of our Code of Conduct, reinforcing customer and stakeholder expectations.