Product Manager - Enterprise Payments

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Oversee the end to end management of assigned products, services and programs including features, benefits and characteristics that meet customer needs and are priced to meet the Bank's profit and loss objectives. Manage a particular product or function supporting in the achievement of a business strategy.  Act as source for innovation led through customer insights and creating a better customer/employee experience with a particular product.  The role is accountable for business results and product sales, working with Acquisition teams to ensure widget/volume targets are met. KEY ACCOUNTABILITIES CUSTOMER Develop and maintain a robust understanding of the regulatory requirements, customer, market, and industry to deliver product and process innovation to improve the value proposition Develop and implement 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 Oversee and ensure the clear and effective delivery of products and services to the customer Act 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 Liaise 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 Build and maintain 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 Lead and facilitate problem solving sessions with partners and vendors Design end to end process for development, implementation, use, reporting and feedback on developed products and segments Direct and coordinate market research to determine underlying customer needs – input to development process Participate in the day to day management of the product(s), identifying and implementing product features and enhancements, providing business case support of recommendations and assisting in the strategic development of new initiatives SHAREHOLDER Adhere to enterprise frameworks or methodologies that relate to activities for own business area Deliver financial results for the product / product suite via operation of all available ‘levers’: pricing, margin, volume etc., create and deliver business cases to achieve strategic business results (acquisition, retention, customer experience, engagement and market share) Support Senior Management as a subject matter expert for the product(s) portfolio through all forms of written and verbal presentations, (product reviews, planning and forecasting, strategic review sessions) Conduct ongoing industry and competitive analysis to obtain market insights and ensure Acquisition Teams are