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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in product management, including product research, analysis, and development, while effectively leading cross-functional teams to drive strategic initiatives and achieve financial results. Proficient in forecasting, pricing strategies, and managing P&L to align with market trends and organizational goals.
Highest-signal resume keywords
Product Management ExperienceAdvanced Product ResearchForecasting and Budget ManagementStrategic Planning and ImplementationEffective Communication Skills
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Product AnalysisProduct DevelopmentPricing StrategiesCompetitive IntelligenceP&L ManagementMarket Trend AnalysisRisk ManagementData Analysis MethodsBudget ManagementForecasting
Soft Skills
Collaborative WorkIndependent WorkDecision-MakingOrganizational SkillsTime Management
Tools & Technologies
Analytical Software ToolsMS Office
Certifications & Qualifications
Product Management Certificate
Industry Keywords
HELOCHELOANBanking ComplianceMarket TrendsCustomer Needs AnalysisRisk AppetiteBusiness PlanningStrategic PresentationsConfidential Information HandlingDistribution Channel Management
About the role
Key responsibilities & impact- Manage assigned products, services and programs end to end, including features, benefits, characteristics and pricing
- Oversee TD's HELOC and HELOAN portfolio product and program needs
- Develop and execute mortgage and home equity retention strategies
- Develop HELOC utilization, portfolio growth, draw-period/repayment-period concentration and evergreen-account strategies
- Manage HELOC Fixed Rate Option and line-access processes and vehicles
- Partner with Home Equity product leaders, Fraud, Servicing, Marketing, Phone Channel, Retail, IT, Operations, Legal and Compliance
- Analyze customer, market, industry and competitive trends through research, focus groups and secondary research
- Facilitate ideation and problem-solving sessions and build business cases for new product development and growth
- Design end-to-end processes for product development, implementation, reporting and feedback
- Conduct product research and identify customer needs
- Manage day-to-day product features and enhancements and support strategic initiatives
- Deliver product financial results through pricing, margin, volume and other levers
- Prepare product reviews, planning and forecasting, and strategic presentations for senior management
- Refine product strategies through P&L analysis, competitive research and marketing/risk-management review
- Establish product policies and processes aligned with risk appetite
- Oversee product-management deliverables within budget and approved product plans
- Lead annual business planning and monthly/quarterly forecasting
- Identify and manage market, credit and operational risks
- Maintain relationships with distribution-channel owners and internal/external partners
- Provide subject-matter expertise and contribute to team development and mentorship
Requirements
What you’ll need- Must be located within TD footprint: CT, DE, FL, ME, MD, MA, NH, NJ, NY, PA, RI, SC, VT, VA, DC
- Undergraduate degree or product management certificate and/or 7+ years relevant experience
- Previous Product experience typically required
- Advanced knowledge of product research, product analysis and development, forecasting, pricing, and competitive intelligence
- Knowledge of current and emerging competitor and market trends
- Ability to lead, plan, implement and evaluate program/project activities
- Ability to forecast and contribute to strategic product direction and advise senior leadership
- Effective oral and written communication
- Ability to work collaboratively and independently
- Sound judgment in decision-making
- Ability to analyze, organize and prioritize work while meeting multiple deadlines
- Skill in preparing and managing budgets and P&L
- Knowledge of analytical software tools, data analysis methods and reporting techniques
- Skill in using computer applications including MS Office
- Ability to handle confidential information with discretion
- Knowledge of and compliance with Bank and Industry Codes of Conduct
- Occasional domestic travel required
Benefits
Comp & perks- Variable compensation/incentive awards, including eligibility for cash and/or equity 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
- Regular career, development, and performance conversations
- Access to an online learning platform
- Mentoring programs
- Training and onboarding sessions
- Accommodation support for applicants with disabilities