Work Location:Toronto, Ontario, Canada
Hours:37.5
Line of Business:Finance
Pay Details:$155,000 - $215,000 CAD
Job Description:Reporting to the Vice President, Finance & CFO, Canadian Personal & Small Business Banking (CPSB), the Associate Vice President leads Finance support for Real Estate Secured Lending (RESL), Specialized Sales Force (SSF), Operations and the Chief Operating Officer (COO) organization. The role is the senior Finance partner to the SVP, RESL; SVP, Specialized Sales Force; and SVP & COO, CPSB, connecting strategy with financial outcomes across significant revenue, balance sheet, expense and investment portfolios.
The role provides forward-looking advice and independent challenge on growth, profitability, productivity, transformation and resource allocation. It brings an enterprise perspective to decisions, identifies opportunities for value creation and maintains strong financial management, controls and performance discipline.
As a member of TD's leadership team, the AVP sets high ethical and performance standards, develops talent and collaborates across the Bank to deliver sustainable results. The role requires strategic insight, business acumen, sound judgment and integrity.
POSITION-SPECIFIC ACCOUNTABILITIES:
- Lead portfolio planning, forecasting, reporting and performance management. Develop driver-based forecasts and scenarios, explain variances, and translate risks and opportunities into executive insight and recommended actions.
- Advise and independently challenge RESL pricing and offers. Assess volume, retention, margin and risk-adjusted return trade-offs, considering funding costs, customer behaviour and competition.
- Lead SSF financial planning and analysis, including MMS and broker channel financials and compensation models. Evaluate acquisition costs, incentives, conversion, retention and lifetime profitability; advise on compensation changes and channel mix across branch, specialist, broker and digital distribution.
- Assess portfolio economics across volumes, market share, margins, credit, funding, expenses and returns. Analyze profitability by product, segment and origination cohort, isolating mix, pricing, renewals and runoff. Partner with Treasury, Risk, Product and Distribution on rate scenarios, funding and capital implications.
- Advise on investment prioritization and allocation of capital, expense and capacity. Challenge business cases, returns, costs and milestones; track benefits and cross-CPSB dependencies and trade-offs. Recommend reprioritization when economics or delivery assumptions change.
- Analyze operational cost drivers, unit costs, cost-to-serve and capacity. Link volumes, service levels, staffing and demand to expense plans; challenge assumptions and identify productivity and operating-leverage opportunities while protecting controls and customer outcomes.
- Partner with COO leaders to connect strategic priorities, transformation and operating performance to financial outcomes. Assess cross-business initiatives and execution risks, balancing near-term commitments with longer-term value.
- Provide oversight and independent challenge of reporting, controls, allocations and accounting. Reinforce direct and shared cost ownership, reliable management information and consistent financial treatment; resolve issues with Finance and enterprise partners.
Finance Talent, Capability & Leadership
- Build a high-performing Finance team with the capabilities to deliver stronger business partnership, insight and independent challenge. Shape talent priorities, attract and develop talent, and strengthen succession and leadership depth, with a focus on commercial acumen, strategic judgment and executive influence.
- Advance the portfolio's Finance operating model in alignment with enterprise and CPSB strategy. Shape and implement changes within the team, and strengthen team capacity for higher-value advisory work.
- Champion data, digital and AI-enabled Finance, influencing priorities with enterprise partners and accelerating adoption of tools, analytics and automation that improve decision-making, information quality, productivity and colleague capacity. Provide leadership and accountability for a sound financial control environment within the portfolio. Ensure changes to processes, tools and responsibilities maintain clear ownership and effective governance; partner with enterprise control owners to address risks and sustain confidence in financial information.
- Lead through the TD Way, creating an inclusive, high-performing culture grounded in clear expectations, accountability, constructive challenge, continuous improvement and colleague development. Set clear objectives, provide ongoing coaching and feedback, recognize strong performance and address performance gaps Operate as an enterprise Finance leader, building partnerships across CPSB and enterprise Finance, Treasury, Risk, Accounting, Tax, Data & Analytics and Technology; contribute to the broader CPSB Finance agenda beyond the immediate portfolio.
QUALIFICATIONS & EXPERIENCE:The successful candidate will bring:
- Significant senior-level financial management, business advisory and leadership experience, with strong banking economics and commercial acumen.
- Strong understanding of secured lending profitability, pricing and channel economics, together with operational cost management and investment evaluation; ability to connect product, distribution and operating decisions to financial performance.
- Experience evaluating growth, investment, transformation, productivity and resource-allocation decisions, with sound judgment in balancing financial outcomes, customer needs and risk.
- Strong analytical and communication skills; ability to synthesize complex issues into concise executive recommendations and influence decisions through constructive challenge.
- Proven experience developing talent and succession depth and implementing Finance improvements across team operating models, processes, tools and controls; ability to partner with enterprise teams and deliver sustained adoption and measurable benefits.
- Ability to manage competing priorities effectively and maintain resilience in a fast-paced environment.
EDUCATION
An advanced business or professional accounting designation qualification such as
MBA,
CPA, or CFA, would be an asset.
Language Requirement (Quebec only):Sans Objet
