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About the Role

The Senior Product Manager oversees the end-to-end management of assigned products, services, and programs, ensuring they meet customer needs and align with the Bank's profit and loss objectives. This role is responsible for building the desired value proposition, mapping required investments, and formulating strategy, policy, and direction for the product portfolio.

Responsibilities

Oversees the end-to-end management of assigned products, services, and programs.
Builds the value proposition the business wants to deliver and maps the investments required.
Formulates strategy, policy, and overall direction of the product or suite of products portfolio.
Develops and maintains a robust understanding of regulatory requirements, customer, market, and industry to deliver product and process innovation.
Develops and implements products/policies and procedures to enhance the end-to-end customer experience.
Oversees and ensures the clear and effective delivery of products and services to the customer.
Acts as Subject Matter Expert for product-related inquiries.
May lead business plans leveraging Acquisition and Segments teams to increase new account growth and track P&L impact.
Liaises with partners to understand industry and customer trends, analyzes challenges, and identifies opportunities.
Builds and maintains effective relationships with sales distribution, key internal stakeholders, and/or external partners.
Leads and facilitates problem-solving sessions with partners and vendors.
Designs end-to-end process for development, implementation, use, reporting, and feedback on developed products and segments.
Directs and coordinates market research to determine underlying customer needs.
Participates in the day-to-day management of the product(s), identifying and implementing product features and enhancements.
Delivers financial results for the product/product suite via operation of all available levers.
Supports Senior Management as a subject matter expert for the product(s) portfolio.
Conducts ongoing industry and competitive analysis to obtain market insights.
Keeps current on emerging trends/developments and grows knowledge of the business, related tools, and techniques.
Refines product management strategies through detailed analysis of the P&L, ongoing competitive research, and review of marketing/risk management tactics.
Ensures effective product policies and processes are established to support business processes and align with risk appetite.
Oversees product management deliverables within budget and as per the approved product plan.
Champions the development of the annual business plan and the monthly/quarterly forecast process.
Contributes to and supports partner-led projects.
Participates and collaborates on initiatives with internal and external service providers.
Identifies and manages risks (market, credit, operational) associated with the product/segment.
Develops/maintains productive working relationships with distribution channel owners.
Is knowledgeable of and complies with Bank and Industry Codes of Conduct.
Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite.
Participates fully as a member of the team, supports a positive work environment, and ensures timely communication.
Provides thought leadership and/or industry knowledge for own area of expertise.
Participates in personal performance management and development activities.
Keeps others informed about the status/progress of projects and relevant information.
Contributes to team development of skills and capabilities through mentorship and sharing knowledge.
Leads, motivates, and develops relationships with internal and external business partners/stakeholders.
Contributes to a fair, positive, and equitable environment that supports a diverse workforce.
Acts as a brand ambassador for your business area/function and the bank.

Requirements

Undergraduate degree or product certificate and/or 10+ years relevant experience.
Previous Product experience required.
Experience in leading strategy strongly recommended.
Advanced knowledge of and ability to conduct product research, product analysis and development, forecasting, pricing, and competitive intelligence.
Knowledge of current and emerging competitor and market trends.
Advanced ability to lead, plan, implement, and evaluate program/project activities.
Ability to forecast and contribute to strategic direction of the product management function.
Ability to establish goals and objectives that support the strategic plan.
Skill in mentoring, coaching, and performance management.
Ability to communicate effectively in both oral and written form.
Ability to work collaboratively and build relationships across teams and functions.
Ability to work successfully as a member of a team and independently.
Ability to exercise sound judgment in making decisions.
Ability to analyze, organize, and prioritize work while meeting multiple deadlines.
Skill in preparing and managing budgets and P&L.
Knowledge of and/or skill in using analytical software tools, data analysis methods, and reporting techniques.
Skill in using computer applications including MS Office.
Ability to handle confidential information with discretion.
Domestic Travel – Occasional.
Performing sedentary work – Continuous.
Performing multiple tasks – Continuous.
Operating standard office equipment - Continuous.
Responding quickly to sounds – Occasional.
Sitting – Continuous.
Standing – Occasional.
Walking – Occasional.
Moving safely in confined spaces – Occasional.
Lifting/Carrying (under 25 lbs.) – Occasional.
Squatting – Occasional.
Bending – Occasional.
Reaching forward – Occasional.
Concentrating for long periods of time – Continuous.
Applying common sense to deal with problems involving standardized situations – Continuous.
Reading, writing, and comprehending instructions – Continuous.
Adding, subtracting, multiplying, and dividing – Continuous.

Skills

Product research
Product analysis
Product development
Forecasting
Pricing
Competitive intelligence
Strategy
Mentoring
Coaching
Performance management
Communication
Collaboration
Relationship building
Decision making
Analytical skills
Organizational skills
Prioritization
Budget management
P&L management
Analytical software tools
Data analysis
Reporting techniques
MS Office

Location

Mount Laurel, New Jersey, United States of America

Work Type

Full-time

Experience Level

Senior
10+ years relevant experience

Education Level

Undergraduate degree or product certificate

Salary/Compensations

$115,440 - $186,160 USD

Benefits

Growth opportunities and skill development
Base salary and variable compensation/incentive awards
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
Reward and recognition
Training programs
Online learning platform
Mentoring programs
Training and onboarding sessions

About the Company

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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience.
TD is deeply committed to being a leader in client experience.
We believe that all colleagues, no matter where they work, are client facing.
Together, we are reimagining what banking can be for our clients, colleagues, and communities.

Equal Opportunity

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 USWAPTDO@td.com. Include your full name, best way to reach you, and the accommodation needed to assist you with the applicant process.