Home Equity Portfolio Product Manager (Fintech)

Location: Remote, but must be located within TD's footprint in CT, DE, FL, ME, MD, MA, NH, NJ, NY, PA, RI, SC, VT, VA, or DC. Role location listed as Charlotte, North Carolina, with Cherry Hill, New Jersey also listed. Occasional domestic travel is required.

Salary: $91,000–$136,240 USD base pay.

Company

TD is a large financial institution serving more than 27 million households and businesses across Canada, the United States, and other markets.

What you will do

• Manage the end-to-end HELOC and HELOAN portfolio, including features, policies, processes, enhancements, and customer experience.
• Develop and execute retention, utilization, portfolio growth, draw-period, repayment-period, evergreen-account, fixed-rate-option, and line-access strategies.
• Analyze customer, market, industry, and competitor insights through research, focus groups, and secondary research to identify opportunities.
• Build business cases, annual plans, forecasts, pricing and margin strategies, and P&L initiatives supporting acquisition, retention, engagement, and market share.
• Partner with acquisition, servicing, fraud, marketing, retail, phone channel, IT, operations, legal, compliance, vendors, and other stakeholders.
• Manage product risks and regulatory requirements while serving as a subject matter expert and supporting senior-management presentations.

Requirements

• Undergraduate degree or product management certificate and 7+ years of relevant experience; previous product experience is typically required.
• Advanced knowledge of product research, product analysis and development, forecasting, pricing, and competitive intelligence.
• Knowledge of current and emerging competitor and market trends.
• Ability to lead, plan, implement, and evaluate product and program initiatives and contribute to strategic direction.
• Ability to communicate effectively, collaborate across teams, build relationships, and work both independently and as part of a team.
• Sound judgment, strong organization and prioritization skills, and ability to meet multiple deadlines.
• Experience preparing and managing budgets and P&L, using analytical software, data-analysis methods, reporting techniques, and MS Office.
• Ability to handle confidential information with discretion and maintain compliance with bank and industry codes of conduct.

Culture & Benefits

• Full-time schedule of 40 hours per week with remote work within the specified TD footprint.
• Benefits include health and well-being coverage, savings and retirement programs, paid vacation, flex and holiday time, banking benefits, and discounts.
• Variable compensation or incentive awards may be available, including cash and/or equity awards.
• Training, onboarding, career development conversations, mentoring, and access to an online learning platform are provided.
• TD promotes a respectful, diverse, equitable, and collaborative workplace.

Hiring process

• Selected candidates will be contacted to schedule an interview; outcomes are communicated by email or phone.
• Applicants requiring accommodation should contact the TD US Workplace Accommodations Program with their name, contact method, and accommodation needs.