Senior Manager, Pricing, Personal Lending

Work Location:
Toronto, Ontario, Canada

Hours:
37.5

Line of Business:
TD General

Pay Details:
$108,800 - $163,200 CAD

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:

Department Overview:

The Personal Lending team is part of the Canadian Card Payments, Loyalty & Personal Lending group (CCPL&PL) within Canadian Personal Banking (CPB) at TD. The team is responsible for product and pricing strategies, product development, customer lifecycle management, and the financial performance of Personal Lending products, including Unsecured Lending and Lines of Credit. This Senior Manager, Pricing Personal Lending role reports into the AVP, Personal Lending.

The Senior Manager, Pricing, Personal Lending, oversees the end-to-end management of TD's Personal Lending product pricing strategies. This includes defining the pricing strategy and objectives and positioning, developing pricing features, outlining benefits and characteristics tailored to customer needs, and establishing pricing and promotional strategies aligned with the Bank's profitability and risk appetite objectives. The role also supports business strategies for customer acquisition and product utilization, serving as a source of innovation through customer insights to enhance customer and colleague experiences. Additionally, the Senior Manager is accountable for achieving business results and profitability, collaborating closely with the Borrowing for My Needs Journey to deliver pricing features and meet core targets and key metrics.

Key Accountabilities:

• Champion development and implementation of Personal Lending pricing strategy, including the development of strategic roadmaps, defining and recommending alternatives with insightful analysis and implementation assessments.
• Monitor and manage product margins to meet financial and business objectives.
• Lead pricing recommendations for Acquisition and Account Management Campaigns.
• Oversee the Bank of Canada rate change playbook for Personal Lending.
• Manage the Customer Level Pricing grid and implement rate changes.
• Maintain effective relationships with key partners (e.g., Product, Journey, TBSM, Risk, Finance, Marketing).
• Lead pricing initiatives and strategic projects from concept to delivery, including successful implementation of Precision Pricing for the Personal Lending portfolio.
• Drive pricing analytics and modeling strategies with the AI2 team to build out new concepts and future capabilities for pricing.
• Direct and interpret market research to understand competitive landscapes and evolving customer needs, translating insights into actionable strategies.
• Identify and manage pricing-related risks (market, credit, operational), ensuring robust policies and processes are established and maintained.
• Provide thought leadership and industry expertise, actively participating in knowledge transfer within the team and broader business units.
• Drive financial results for the pricing portfolio by leveraging pricing, margin, volume, and other strategic levers. Develop and present business cases to achieve strategic outcomes such as acquisition, retention, customer experience enhancement, engagement, and market share growth.
• Refine pricing management strategies through detailed analysis of financial performance, ongoing competitive research, and evaluation of marketing and risk management tactics.
• Support Senior Management as a subject matter expert for the pricing strategies/portfolio through comprehensive written and verbal presentations, including pricing overviews, strategic roadmaps, planning and forecasting sessions, and strategic reviews.

Experience & Education:

• Previous Pricing experience an asset.
• Undergraduate degree and designation preferred (e.g., CFA, CPA).
• 7+ years' relevant experience, preferably in financial services or lending products.
• Advanced ability to conduct pricing research, perform analysis, develop pricing strategies, forecasting, and competitive intelligence interpretation.
• Strong business and financial acumen; reading and analyzing a Lending P&L.
• Ability to analyze, organize, and prioritize tasks effectively to meet multiple concurrent deadlines.
• Demonstrated leadership in planning, executing, and evaluating program/project activities to ensure successful pricing initiatives.
• Ability to forecast strategically and contribute effectively to the long-term direction of the pricing management function, providing strategic advice to senior leadership.
• Excellent communication skills, including presentation, writing, relationship building, and collaborative problem-solving across diverse teams and functions.
• Act as a brand ambassador for our business, the Bank, both internally and externally.

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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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.

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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.

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