Senior Manager, Business Programs

Work Location:

Toronto Ontario Canada

Hours:

37.5

Line of Business:

Sales & Customer Distribution Support

Pay Details:

$115600 - $163200 CAD

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 candidates 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:

Role Summary

The Senior Manager Capital Optimization is accountable for identifying advancing and delivering opportunities to optimize capital allocation across the commercial loan book. This role leads analysis and execution across BRR and FRR modeling efficiencies FRR value quality risk transference opportunities and other strategies to reduce capital intensity while maintaining strong risk discipline and business outcomes.

The role operates at the intersection of capital management commercial strategy portfolio analytics and enterprise risk translating strategic capital objectives into executable initiatives. The Senior Manager partners closely with executive leadership Finance Treasury Risk Credit Technology Operations and front-line business partners to ensure capital decisions are analytically grounded commercially practical compliant and scalable.

This role reports to the AVP Commercial Lending Product - and acts as a senior decisionmaker for capital optimization priorities issue escalation and delivery tradeoffs.

Key Accountabilities

Lead Commercial Lending Capital Optimization Strategy

• Own and evolve the Commercial Lending capital optimization strategy for the commercial loan book in partnership with senior leadership aligned to enterprise capital objectives risk appetite and business strategy.

• Identify assess and prioritize opportunities to improve capital allocation reduce capital intensity and enhance RWA efficiency without compromising prudent risk management.

• Develop actionable recommendations to improve return on capital portfolio efficiency and risk-adjusted performance aligned with enterprise risk appetite and commercial priorities.

• Recommend enhancements to pricing credit models RAROC methodology BRR and FRR processes and broader risk frameworks to support better capital outcomes.

• Support alignment across Commercial segmentation product mix portfolio strategy and capital treatment to identify opportunities for improved capital productivity.

• Seek efficiencies in BRR and FRR modeling working with model risk finance and technology partners to identify process data methodology and governance improvements.

• Identify investigate and resolve issues with FRR values sent to capital ensuring data quality transparency and appropriate escalation of material concerns.

• Assess opportunities for risk transference and other capital relief strategies including business cases feasibility assessments execution requirements and expected capital impact.

• Coordinate phased delivery from insight to recommendation governance and execution ensuring initiatives move from analysis to measurable business outcomes.

Drive Cross-Functional Execution and Ongoing Insights

• Partner with Commercial Lending Product teams as well as Finance Risk AI2 Treasury Enterprise Capital Model Development Technology Operations and front-line business partners to advance initiatives from analysis to implementation including the embedding of controls aligned with risk appetite business objectives and regulatory expectations.

• Leverage analytics and modeling to evaluate client profitability capital intensity RWA drivers RAROC outcomes and portfolio performance.

• Translate capital RAROC pricing and portfolio insights into practical decision-making tools recommendations and executive-ready materials for senior leadership.

• Compile and interpret capital RAROC pricing and portfolio reporting providing senior leadership with clear insights into performance risks tradeoffs decisions required and opportunities.

• Lead governance forums business reviews or executive updates related to capital optimization articulating progress risks dependencies recommendations and forward strategy.

• Define and track OKRs and performance metrics for capital optimization using insights to inform prioritization and execution decisions.

• Act as the single point of escalation for complex capital optimization escalating when appropriate.

Stakeholder & Team Leadership

• Lead influence and coordinate crossfunctional teams across capital Product Finance Risk AI2 Technology Operations and front-line business partners.

• Foster a highperformance inclusive culture that encourages analytical rigor innovation learning and continuous improvement.

• Provide thought leadership and deep subject matter expertise on capital optimization and commercial credit portfolio performance.

• Act as a trusted advisor and brand ambassador for disciplined capital management pricing excellence and the broader commercial product organization.

• Support capability building and knowledge transfer across the product capital pricing and risk communities.

Breadth & Depth of Expertise

• Deep understanding of commercial credit capital allocation RWA drivers BRR and FRR processes RAROC methodology portfolio analytics risk appetite pricing economics and commercial segmentation within a complex regulated environment.

• Ability to solve ambiguous highimpact problems with material financial capital risk customer and operational implications.

• Trusted advisor to executives capable of framing capital issues tradeoffs and recommendations in an enterprise context.

Experience & Qualifications

• Undergraduate degree in business finance economics mathematics analytics risk management or a related discipline; advanced degree or professional designation is an asset.

• 10 years of relevant experience in commercial banking capital management credit risk finance treasury product management or related fields.

• Demonstrated experience leading complex analytical initiatives models or pricing frameworks with measurable capital financial or risk outcomes.

• Experience operating in a regulated financial services environment strongly preferred.

Success in This Role Looks Like

• Clear compelling Commercial Lending capital optimization strategies that translate insights into recommendations governance alignment execution and measurable improvements in capital efficiency RWA productivity and riskadjusted returns.

• Confident leadership of complex tradeoffs across capital RAROC risk pricing customer impact and commercial growth.

• Sustained cross-functional execution with Product Finance Risk AI2 and front-line partners that moves initiatives from analysis through governance and into implementation.

• Improved transparency and confidence in BRR and FRR processes including disciplined management of FRR values sent to capital.

• Trusted partnership with senior executives and crossfunctional leaders on capital pricing and portfolio decisions.

• Informing pricing practices that are commercially competitive analytically sound and aligned to enterprise return expectations.

Who We Are:

TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we strive to make every interaction product and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to foster deeper relationships ensure disciplined execution and build a simpler faster banking experience. TD is deeply committed to being a leader in client experience that is why we believe that all colleagues no matter where they work are client facing. 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 a base salary variable compensation and several other key plans such as health and well-being benefits savings and retirement programs paid time off banking benefits and discounts career development and reward and recognition programs. Learn more

Additional Information:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations requirements.

Colleague Development

If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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 youre 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.

Were 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 youve got everything you need to succeed in your new role.

Interview Process
Well 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
Your accessibility is important to us. Please let us know if youd like accommodations (including accessible meeting rooms captioning for virtual interviews etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):

Sans Objet

Required Experience:

Senior Manager

Employment Type : Full-Time
Experience: years
Vacancy: 1
Monthly Salary Salary: 115600 - 163200