Manager, Business Cards

2 weeks ago

Toronto, Canada TD Bank Full time

**TD Description**

Stay current and competitive. Carve out a career for yourself. Grow with us.

**Department Overview**
- It is our people who make the difference in the dynamic world of Canadian Credit Cards. We are looking for talented leaders to join our team, helping to shape an environment where individuals are empowered to create outstanding product solutions and exceed business objectives while having fun in the process
- Business Cards is a key product for the Canadian Credit Cards Business. The Acquisition Risk Strategy Team within Canadian Cards is responsible for strategy, business planning, acquisition, risk strategies, product development, portfolio optimization and operational excellence. We are customer and results focused and are seeking enthusiastic, self-motivated individuals to work in a fast paced and high impact business unit. This is an outstanding opportunity to make a difference within the Canadian Cards Business.
- Our business focus includes:
- Maximizing the profit / P&L of our products and services
- Onboarding and retaining our customers through portfolio optimization
- Acquiring new-to-bank customers and franchising TDBG customers
- Developing new revenue sources for future growth
- Driving operational excellence across our business
- Managing Authorization strategies for Business Cards
- Leading system and business initiatives

The Manager, Business Cards (Risk Strategies), is part of the Canadian Credit Cards business. Reporting to the Senior Manager, Acquisition Risk Strategies, this role will be responsible for credit risk strategies in order to maximize profitability, within our Risk appetite, while improving the customer value proposition for our Business Cards product. The Manager will also work closely with counterparts responsible for Acquisition, Adjudication, Policy, Pricing and Business Analysis in addition to partners in risk management, treasury, operations, marketing and technology.

**ACCOUNTABILITIES**
- Develop effective partnerships with each channel (Retail Distribution, Phone, Online and ATM), identifying and driving channel-specific opportunities to enhance risk strategy activities
- Develop strong relationship with Retail Risk Management; ability to influence decisions and understand drivers
- Advancement of risk management strategies for existing Business Cards customers to support profitable product growth and management of changing customer profiles
- Refine credit risk strategies through detailed analysis of P&L, ongoing competitive research and review of marketing/risk management tactics, keeping in mind risk/revenue trade-offs
- Act as "First Line of Defense" by managing and identifying risk in credit strategies, ensuring strategies are within TD's Risk Appetite and risk management policies, design, implement and maintain effective internal controls, implement risk based approve processes for all new products, activities, processes and systems and monitor & report on risk profile
- Drive improvements in E2E customer experience in each channel and optimize delivery of risk management programs
- Provide concise, executive reporting on progress against credit risk management campaigns, business objectives and deliverables
- Communicate portfolio risk management campaign results to a variety of audience, leveraging insight to inform and refine tactics and processes
- Engage in strategic Credit Cards initiatives aimed at ensuring Canadian Cards products remain competitive in the marketplace and growth / profit opportunities are maximized
- Maintain effective working relationships with partners including Finance, Collections & Recovery, Fraud Management and Risk Management.

**Job Requirements**
- Demonstrated strategic thinking and strong analytical skills (expertise in excel is required).
- Extensive credit background which may include product management and/or risk management/compliance/audit. A solid knowledge of Credit Cards products, platforms (including adjudication) and processes, is preferred
- Strong leadership and relationship building capabilities, with an ability to impact and influence others
- Excellent verbal and written communication skills
- Understanding of automated strategies and TRIAD
- System and Analytical knwoledge
- Experience managing projects and multiple initiatives
- Post-Secondary Education preferably with a focus on quantitative discipline (e.g., math/statistics/business). Postgraduate education in a related field will be an asset

**Inclusiveness**

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work

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