Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Enterprise Enabling Functions

Pay Details:

115,600 - 163,200 CADThis role is eligible for a discretionary variable compensation award that considers business and individual performance.

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.

Job Description:

The Senior Manager, Commercial Credit Product is accountable for the strategy, delivery, and commercial performance of customer‑facing commercial credit products. This role leads multiple Product Managers and ensures products deliver measurable customer value, sustainable revenue growth, and strong risk outcomes.

The role operates at the intersection of customer experience, commercial results, technology delivery, and enterprise risk, translating business strategy into executable product roadmaps. The Senior Manager partners closely with executive leadership, Finance, Risk, Legal, Technology, and Operations to ensure products are market‑competitive, compliant, and scalable.

This role reports to the Product Group Owner – Manage and Grow Our Commercial Business and acts as a senior decision‑maker for product investment, prioritization, and delivery trade‑offs.

Key Accountabilities:

Customer & Product Value

• Own and evolve the product vision and strategy in partnership with senior leadership, aligned to commercial objectives and customer needs.

• Ensure product roadmaps deliver maximum customer and business value, balancing speed, quality, risk, and cost.

• Oversee the creation, prioritization, and ongoing refinement of value‑focused product backlogs across multiple teams or pods.

• Champion the use of customer insights, analytics, and feedback to continuously improve product experience and outcomes, as well as to provide insights to the field.

• Ensure clear definition and delivery of Minimum Viable Products (MVPs) with appropriate release cadence.

• Proactively engage business partners to ensure their input is incorporated into product and procedural changes, and to establish their readiness for change, including Day‑2 operational processes and customer communications.

Commercial, Shareholder & Enterprise Outcomes

• Accountable for commercial performance of assigned products, including growth, adoption, and portfolio health.

• Partner with senior management to align product investment decisions with enterprise strategy and financial objectives.

• Compile market share reporting, providing senior leadership with intelligent insights into the commercial credit market and opportunities therein.

• Lead Quarterly Business Reviews (QBRs) for assigned products, articulating performance, risks, trade‑offs, and forward strategy.

• Ensure strong collaboration with Finance, Treasury, Policy, Risk, Compliance, Legal, and Operations teams to embed controls aligned with risk appetite.

• Define and track OKRs and performance metrics, using insights to inform decision‑making and prioritization.

• Act as the single point of escalation for complex product delivery decisions, escalating only when appropriate.

Delivery & Agile Leadership

• Provide senior leadership oversight to Product Managers and delivery teams, ensuring consistent application of Agile principles and enterprise delivery standards.

• Ensure efficient execution of delivery initiatives by removing blockers, resolving priority conflicts, and enabling teams to focus on value delivery.

• Oversee dependency management across platforms, shared services, and partner teams.

• Ensure disciplined defect management, prioritization, and resolution across product areas.

• Reinforce transparency, collaboration, and accountability across product, business, and technology stakeholders.

People & Team Leadership

• Lead, coach, and develop Product Managers, building a strong product talent pipeline.

• Foster a high‑performance, inclusive culture that encourages innovation, learning, and continuous improvement.

• Provide thought leadership and deep product expertise, contributing to broader enterprise product practices.

• Act as a role model and brand ambassador for the product organization and the bank.

• Support succession planning, capability building, and knowledge transfer within the product function.

Breadth & Depth of Expertise

• Deep understanding of existing commercial credit products, policies and procedures. Expertise in commercial product management within a complex, regulated environment is an asset.

• Ability to solve ambiguous, high‑impact problems with material financial, customer, and operational implications.

• Trusted advisor to executives, capable of framing issues and recommendations in an enterprise context.

Experience & Qualifications

• Undergraduate degree and/or recognized product certification.

• 10+ years of relevant experience in product management, commercial banking, fintech, or related fields.

• Demonstrated experience owning revenue‑generating or customer‑critical products.

• Experience operating in a regulated financial services environment strongly preferred.

Success in This Role Looks Like

• Clear, compelling product strategies that translate into measurable commercial and customer outcomes.

• Confident leadership of complex trade‑offs across value, risk, and delivery speed.

• High‑performing product teams with strong engagement and clear accountability.

• Trusted partnership with senior executives and cross‑functional leaders.

• Products that are scalable, compliant, and competitive in the market.

Who We Are:

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, that is why 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.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more

Additional Information:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process
We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):

Sans Objet