TD Bank
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Ces témoins n’enregistrent pas de renseignements personnels permettant l’identification.* Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling disciplinary actions, as required* Oversees and leads a highly complex and diverse product function for an area of significant complexity or scope while growing talent, developing skills and capabilities to achieve career goals, support project/initiative success and achieve business results* Generally accountable for a significant product management area that typically has enterprise wide impact or accountability* Enterprise or functional expert, requiring broad managerial and deep specialized knowledge at the enterprise, business, regulatory and industry levels* Leads and manages teams handling mass or niche products/segment suites, with moderate to high levels of size/complexity of the product groups/segments* Provides coaching, mentorship and guidance to practitioners, business, executives within area of expertise* Manages and oversees the overall discipline and strategy for the respective areas while aligning to the enterprise best practices* Strategic partner to leadership team on the management of the portfolio and financials, with deep industry, external/internal, enterprise knowledge, recognizing and anticipating emerging trends* Identifies operational efficiencies and opportunities with other business management/enterprise areas* Facilitates key strategic discussions and provides thought leadership to executive audience (output may include strategic roadmap and/or deliverables/frameworks/short to long term goals etc.)* Sets overall team direction and collaborates with others to execute on common goals* Focus on longer-range planning for functional area* Oversees product teams and ensures the simple and efficient delivery of products and services to the customer* Provides vision, leadership and strategic guidance in developing and implementing Bank's products, services and programs including features, benefits and characteristics* Develops and implements products/policies and procedures in such a way that it enhances the end to end customer experience (including training, enhancement and irritant reduction) while achieving business objectives* Develops and manages the product development calendar for the team and oversees the successful and seamless execution of deliverables* Builds and maintains effective relationships with sales distribution, key internal stakeholders and/or external partners to ensure that customer needs are considered in strategic decisions and in the development of options, solutions and alternatives* Leads business plans leveraging Acquisition and Segments teams to increase new account growth and track P&L impact* Liaises with partners (i.e. Marketing, Phone Channel, Retail) to understand industry and customer trends; Analyzes challenges and identifies areas of opportunity through customer research, focus groups, and external secondary research; Facilitates ideation sessions and builds necessary business cases for NPD, identifying solutions and building stronger plans for growth* Manages the product development budget of the team; Determines the optimal allocation of overall budget to ensure objectives can be achieved or exceeded* Manages the identification of competitive offerings in the market and their strengths and weaknesses* Determines the methodology to quantify market analysis to assess product performance including product lifecycle, 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 meet the needs of targeted customers* Partners with marketing and various channels to develop programs to move buyers through the buying process* Directs market research projects and recommends methods for growing existing markets and developing opportunities for customer products and services* Establishes an annual business and expense plan for the product/segment, monitors results to plan* 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)* Works closely 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* Conducts ongoing industry and competitive analysis to obtain market insights and ensure Acquisition Teams are kept informed of matters to be competitive and win in the marketplace* Executes on the annual business plan to deliver results aligned with business strategies* Develops and implements products to drive profitable product growth and increased market share through strategic partnerships with internal/external stakeholders, as well as, industry, and customer insights/foresights expertise* Refines product management strategies through detailed analysis of the P&L, ongoing competitive research and review of marketing/risk management tactics* Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards* Ensures effective product policies and processes are established to support business processes align with risk appetite* Reviews and approves business and expense plans and tracks success and effectiveness of product development delivery and implementation* 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* Undergraduate degree or product management 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, competitive intelligence* Knowledge of current and emerging competitor and market trends* Advanced ability to lead, plan, implement and evaluate program/project activities to ensure completion of product initiatives* Ability to contribute to strategic direction of the product management function and provide advice to senior leadership* Ability to forecast initiatives and demand in order
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