Work Location:
Toronto, Ontario, Canada
Hours:
37.5
Line of Business:
Product Management
Pay Details:
$115,600 - $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 Deposits ART within the Personal Savings & Investing (PSI) business is responsible for the product management, pricing, and growth of TD's savings and term portfolios. We seek self-motivated individuals who want to work in a fast-paced and high-impact business unit that delivers results.
As a key member of the Deposits ART leadership team, the Senior Manager, Portfolio Strategy & Integration will own the analytical and strategic engine that drives deposit growth — translating market, competitive, and portfolio signals into prioritized action across Savings (rate-sensitive non-term balances) and Term/GIC, viewed in the context of the total deposit book.
The successful candidate will set the strategic agenda for where the portfolio competes and how we sequence the work to get there, partnering closely with Analytics, Product, Pricing, Technology, Marketing and Channels to win in an intensifying deposit market.
Reporting to the AVP, Product Management (Deposits), the Senior Manager, Portfolio Strategy & Integration has the following accountabilities:
Own portfolio and market analytics interpretation for personal deposits — reading Flow of Funds, runoff, balance, and margin dynamics to determine where the portfolio is gaining and losing, and why, with a primary focus on rate-sensitive Savings balances and Term/GIC. Partner with the AI2 function on model production while owning what the output means and the decisions that follow from it.
Shape and prioritize the analytics agenda in partnership with the AI2 function — defining the questions that matter most, sequencing what gets built, and ensuring analytical capacity is directed at the highest-value deposit growth and retention problems.
Own the capability roadmap and prioritization framework for the Deposits ART — establishing and maintaining the criteria and cadence by which the team decides what to work on, and in what order.
Lead competitive intelligence, benchmarking, and market share analysis — maintaining a live view of the Canadian deposit market, including digital challengers and traditional competitors, quantifying TD's position and trajectory, and translating movements in the market into implications for our positioning and pricing posture.
Own targeting and personalization strategy — defining which customers and segments to pursue and how, working with AI2 on the underlying models and with Shopping & Buying, Marketing and Channels on execution.
Codify the campaign playbook — turning what works into a repeatable acquisition and retention playbook rather than a series of one-off campaigns and feeding learnings back into the prioritization framework.
Provide thought leadership and subject matter expertise for deposit portfolio strategy, and participate in knowledge transfer within the team and business unit.
Build and maintain effective relationships with key internal stakeholders (e.g. Analytics, Product, Pricing, Technology, Marketing, Channels, Finance, Treasury, Wealth, etc.) and external sources (Investor Economics, Argus, Curinos, etc.) to ensure customer needs and market realities are reflected in strategic decisions and in the development of options, solutions, and alternatives.
Manage and deliver ongoing reporting for senior executives , including the strategic narrative and supporting evidence base for steering committee and leadership decisions.
Where the role carries dedicated and deployed resources, including analyst support, support their development and direct their work toward the initiatives with the largest impact.
Job Requirements / Key Accountabilities:
Undergraduate degree or product management certificate, and/or seven (7) or more years relevant experience.
Demonstrated depth in both analytical and strategic disciplines — able to build and interrogate a model directly, pressure-test analysis produced by others, and translate ambiguous or conflicting signals into a clear, defensible, and sequenced point of view on what to do. This dual strength is the defining requirement of the role.
Advanced knowledge of and ability to conduct portfolio analysis, market and competitor analysis, business casing, forecasting, and the interpretation of margin and balance dynamics.
Experience in retail banking deposits, or a closely adjacent domain (wealth, fintech, lending), where the candidate has owned portfolio, growth, or pricing strategy. Experience with deposit products is considered a significant asset.
Proven ability to influence and integrate across teams without direct authority — directing demand onto shared functions and aligning partners through evidence and framing rather than positional control.
Proven customer-centric, strategic thinking with a track record of delivering superior business results.
Experience impacting and influencing senior stakeholders to align on key decisions that have a positive pan-TD and customer impact.
Keen understanding of the distribution channel ecosystem, trends, and customer needs.
Managing change – ability to succeed in an environment where there may be significant ambiguity and ever evolving circumstances.
Exceptional relationship management skills.
Excellent verbal, written, presentation, and problem-solving skills.
Superior business acumen and ability to leverage data to support decision-making.
Organizational awareness – a sound understanding of TDBG to understand who to contact or which business to engage to identify solutions and resolve issues.
Where applicable, experience leading or developing analytical talent, with the ability to direct multiple priorities toward the highest-impact initiatives.
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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 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
