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.
