About the job

Work Location:

Charlotte, North Carolina, United States of America

Hours:

40

Line of Business:

TD Securities

Pay Detail:

$190,000 - $250,000 USD

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 Commercial Card Senior Product Manager leads the strategy, development, launch, and ongoing management of the core Commercial Card portfolio. This role defines the product vision and roadmap, translates market and client needs into competitive capabilities, and partners across Sales, Technology, Risk, Operations, Marketing, and external providers to deliver resilient solutions. The Senior Product Manager serves as a Commercial Card and payments subject matter expert, using performance data, client insight, and industry trends to strengthen the value proposition, improve the customer experience, manage risk, and drive sustainable growth and profitability.

The successful candidate brings deep Commercial Card industry experience, ideally gained across multiple issuers or payment organizations, and can influence senior stakeholders, lead cross-functional delivery, and communicate complex product matters clearly to both technical and non-technical audiences.

·   Define and maintain the Commercial Card product vision, strategy, and multi-year roadmap aligned with business objectives, market opportunities, and evolving client needs.

·   Lead the end-to-end product lifecycle, including discovery, business case development, requirements, pricing, positioning, launch, implementation, performance monitoring, and continuous improvement.

·   Conduct market, competitor, client, and industry research to identify growth opportunities, emerging trends, unmet needs, and areas of product or process differentiation.

·   Translate strategic priorities and client feedback into clear product specifications, user experiences, features, and customer-facing enhancements.

·   Partner with Sales, Technology, Risk, Operations, Marketing, Finance, Legal, Compliance, and external providers to deliver product initiatives and resolve complex business or client challenges.

·   Build effective relationships with key corporate clients and distribution partners to gather insight, validate priorities, and ensure client needs are reflected in product decisions.

·   Develop product positioning, sales enablement materials, and training that help attract, deepen, and retain corporate client relationships.

·   Monitor product performance using key measures such as card usage, transaction volume, revenue, profitability, client adoption, and customer experience; use findings to adjust strategy and investment priorities.

·   Identify, assess, and manage product, operational, regulatory, credit, and payment-related risks in alignment with the organization’s risk appetite and control standards.

·   Design and improve end-to-end product processes, including development, implementation, usage, reporting, feedback, and ongoing governance.

·   Lead structured problem-solving and decision-making sessions with internal partners, vendors, and other stakeholders to advance initiatives and address delivery barriers.

·   Prepare and present product reviews, forecasts, strategic recommendations, investment needs, risks, and decisions to senior management.

·   Maintain current knowledge of Commercial Card, payments, digital tools, regulatory developments, and competitor activity, and apply that knowledge to the product portfolio.

Skills and Required Qualifications:

·   7+ years of Commercial Card product management experience, with strong knowledge of corporate payment solutions, processing, credit risk, regulatory requirements, and industry operating practices.

·   Demonstrated experience developing product strategies, managing roadmaps, and leading initiatives from concept through implementation and post-launch optimization.

·   Proven ability to identify market opportunities, build business cases, establish priorities, and contribute to the strategic direction of a product management function.

·   Strong analytical and financial acumen, including the ability to interpret product performance, customer behavior, market data, and reporting to make evidence-based decisions.

·   Knowledge of current and emerging Commercial Card, payments, digital technology, market, and competitor trends.

·   Excellent written, verbal, presentation, and corporate client-facing communication skills, including the ability to explain technical or complex topics to non-technical audiences.

·   Strong stakeholder management, collaboration, and influencing skills, with experience leading cross-functional teams and working effectively with senior leaders, clients, and external partners.

·   Demonstrated strategic thinking, sound judgment, structured problem-solving, and the ability to balance client value, growth, risk, and delivery considerations.

·   Ability to work independently, take initiative, manage multiple priorities, meet deadlines, and consistently produce high-quality work.

·   Advanced ability to plan, lead, implement, and evaluate product initiatives while maintaining clear accountability for outcomes.

·   Proficiency with analytical and reporting tools and methods; intermediate or higher Microsoft Excel skills with strong attention to data quality and detail.

·   Working knowledge of standard operating procedures and control expectations for Commercial Card products.

Who We Are

TD Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we strive to make every interaction, product and experience remarkably human and refreshingly simple.  Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank.

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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. 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.

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

TD Bank is an equal opportunity employer.  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.

If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com.  Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.