What you'll be doing
Our Unsecured & Auto Lending team shapes lending solutions that help clients meet their borrowing needs while supporting strong business performance. As the Senior Director, Unsecured Lending, you'll lead the end-to-end product lifecycle and P&L performance for unsecured personal lines of credit, unsecured personal loans, and a broad portfolio of related programs and product variants. You'll balance near-term plan delivery with longer-term strategy, using data, market insight, and innovation to evolve the portfolio and improve client outcomes. In this role, you'll lead product, pricing, acquisition, account management, and operational strategies to optimize risk-adjusted profitability, client experience, and efficiency. You'll work closely with partners across Risk, Analytics, Marketing, Technology, Operations, Compliance, and Retail teams to strengthen performance and support thoughtful growth. You'll also build and develop a high-performing team, creating the conditions for strong execution, collaboration, and accountability.
At CIBC we enable the work environment most optimal for you to thrive in your role. You’ll have the flexibility to manage your work activities within a hybrid work arrangement where you’ll spend 1-3 days per week on-site, while other days will be remote.
How you'll succeed
Own product performance - Lead the end-to-end value chain for unsecured lending products, with accountability for revenue, costs, risk, and overall P&L outcomes across the portfolio.
Drive strategic growth - Develop and refine product, pricing, acquisition, and account management strategies that improve risk-adjusted profitability and support sustainable business growth.
Strengthen portfolio decisions - Review current and emerging product opportunities, assess portfolio performance, and recommend enhancements, rationalization, or expansion based on client needs, market conditions, and business priorities.
Lead cross-functional execution - Partner with Marketing, Risk, Analytics, Technology, Operations, Compliance, and other key stakeholders to deliver campaigns, optimize processes, and improve client and business outcomes.
Embed risk and regulatory discipline - Ensure risk management, compliance, and regulatory considerations are integrated into strategic planning, product design, and day-to-day decision-making.
Develop high-performing teams - Lead, coach, and inspire Product Directors and Managers by setting clear direction, supporting development, and fostering an inclusive, high-accountability culture.
Who you are
You have deep product leadership experience. You bring 10+ years of product leadership experience with P&L accountability in unsecured lending or closely related products within financial services.
You think strategically and act decisively. You can evaluate complex business opportunities, balance short- and long-term priorities, and make sound decisions in a dynamic environment.
You give meaning to data. You use analytics, pricing, credit, and profitability insights to assess performance, solve complex problems, and identify opportunities to improve results.
You are a caring and accountable leader. You have experience developing and implementing strategic team goals. You have experience coaching employees and inspiring successful team performance.
You can demonstrate experience in product management, portfolio optimization, pricing strategy, credit strategy, and cross-functional business leadership. It’s an asset if you have experience leading large-scale transformation initiatives within consumer lending.
You have a degree/diploma in business, finance, economics, or a related field. It’s an asset if you have an MBA or equivalent business experience.
Values matter to you. You bring your real self to work, and you live our values - trust, teamwork, and accountability.
#LI-TA
What CIBC Offers
At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential. We aspire to give you a career, rather than just a paycheck.
We work to recognize you in meaningful, personalized ways including a competitive salary, incentive pay, banking benefits, a benefits program*, defined benefit pension plan*, an employee share purchase plan, a vacation offering, wellbeing support, and MomentMakers, our social, points-based recognition program.
Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients.
We cultivate a culture where you can express your ambition through initiatives like Purpose Day; a paid day off dedicated for you to use to invest in your growth and development.
*Subject to plan and program terms and conditions
Job Location
Toronto-81 Bay, 24th Floor
Employment Type
Regular
Weekly Hours
37.5
Skills
Business Analysis, Change Management, Creativity, Innovation, Leadership, Long Term Planning, Pricing Strategies, Product Management, Product Strategies, Project Management, Relationship Building
