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 kept informed of matters to be competitive and win in the market place

• Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques

• Refine product management strategies through detailed analysis of the P&L, ongoing competitive research and review of marketing/risk management tactics

• Ensure effective product policies and processes are established to support business processes align with risk appetite

• Oversee product management deliverables within budget and as per the approved product plan, working with business partners to develop the content of those deliverables

• Champion the development of the annual business plan and the monthly/quarterly forecast process

• Contribute to and support partner led projects as identified

• Participate and collaborate on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards

• Identify and manage risks (market, credit, operational) associated with the product / segment

• Develop / maintain productive working relationships with distribution channel owners

• Be knowledgeable of and comply with Bank and Industry Codes of Conduct

• Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite

EMPLOYEE / TEAM

• Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest

• Provide thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit

• Participate in personal performance management and development activities, including cross training within own team

• Keep others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities

• Contribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices

• Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships

• Contribute to a fair, positive and equitable environment that supports a diverse workforce

• Act as a brand ambassador for your business area/function and the bank, both internally and/or externally

BREADTH & DEPTH

• Highly seasoned professional role requiring substantial knowledge / expertise in a complex field and knowledge of broader related areas

• Accountable for either a single major functional area with a mass or niche product/segment suite and moderate level of complexity with a range of complex attributes

• Integrate knowledge of the enterprise sub-function’s or business line’s overarching strategy in developing solutions across multiple functions or operations

• Provide expertise and  advice on unique distribution issues (i.e. primarily 3rd party channels) for niche / customized products / segments

• Has advisory / consultative accountability for functional areas that are not directly managed

• Solve or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions

• Use sophisticated analytical thought to exercise judgement and identify solutions

• Impacts the achievement of sub-function or business line objectives within the area accountable for

• Typically reports into a Senior Manager, Product/ Executive Product Manager

EXPERIENCE & EDUCATION

• Undergraduate degree or product management certificate and /or

• 7+ years relevant experience

• Previous Product experience typically required