Senior Analyst, RESL Pricing Insights and Margin Management (Senior Product Analyst)

TD; Canada; On-site; CAD 80,000 - 105,000; Full time

Job summary

A global financial institution is seeking a Senior Analyst to enhance pricing insights and manage pricing decisions in their mortgage portfolio. You will work in a dynamic environment, helping shape the company’s pricing strategies while collaborating with various teams to optimize margin and value delivery. The ideal candidate has extensive experience in pricing and strong analytical skills. Training and career development opportunities are provided.

Benefits

Health and well-being benefits

Savings and retirement programs

Career development opportunities

Competitive salary

Qualifications

• 4+ years of relevant experience in RESL, Product Management, Pricing, or similar roles.
• Previous experience in pricing preferred.
• Ability to influence decision making using data.

Responsibilities

• Produce weekly and monthly pricing intelligence for decisions.
• Monitor trends impacting pricing and margin.
• Support initiatives for pricing optimization and channel compensation.
• Manage Rate Change and EUC tools.
• Collaborate with various partners to achieve business objectives.

Skills

Problem solving

Data Driven Decision Making

Stakeholder Management

Experience with large data sets

Storytelling with data

Education

Bachelor's degree or equivalent

Tools

Microsoft Excel

PowerBI

Python

SQL

Job description

Job Description

Department Overview: Real Estate Secured Lending (RESL) is a dynamic and complex business. You will have opportunities to gain foundational knowledge, skills, and specialized expertise that is transferable throughout the Bank. And because of our size, scale, unique distribution channels and operating environment, you can also grow and advance your career for many years within the business.

This is a place where you make a difference. Anchored by our inclusive culture, you will work smart, fast, and build your network. You will be supported in your career journey, receive thanks and rewards for your impact, and you will have some laughs along the way.

Ready for a bigger challenge? Within RESL, we are transforming the business by creating home financing experiences that are easy, drive value for our customers and provide specialized advice. This is a fast-paced environment, so we seek self-motivated individuals who want to work in a high-impact business unit.

Job Summary

RESL Pricing is one of the most powerful management levers available to steer the long-term profitability of the Canadian Personal Bank. Reporting to the Senior Group Product Manager, RESL Pricing, the Senior Analyst, RESL Pricing Insights and Margin Management will be accountable for expanding our insight capabilities and decision making to improve pricing decisions across the mortgage and FlexLine portfolio.

The Senior Analyst, RESL Pricing and Margin Management will provide pricing insights and build/enhance tools to improve pricing decisions, lead initiatives to improve pricing capabilities and margin, and optimize pricing grid to benefit margin and volume.

The role will also involve partnering closely with data & analytics teams, technology, and platform enablement teams to deliver capabilities for pricing target state and north star vision.

Responsibilities

• Produce weekly and monthly pricing intelligence that inform pricing decisions. Provide insights at channel, client segment and granular rate grid level.
• Monitor trends such as pipeline conversion, cost of funds, and impacts of price changes.
• Support complex initiatives on pricing optimization, channel compensation and align pricing to channel incentives in proprietary and broker channels.
• Support initiatives to optimize our cost of funds and improve insights related to hedging.
• Participate in the day-to-day management of the product(s), identifying and implementing product features and enhancements, providing business case support of recommendations, and assisting in the strategic development of new initiatives.
• Partner closely with data & analytics teams, technology, and platform enablement teams to deliver capabilities for pricing target state and north star vision.
• Manage the Rate Change and other end-user-computing (EUC) tools.
• Represent RESL Pricing as a pricing subject matter expert on RESL projects.
• Provide an additional layer of managerial support for the RESL Pricing Team. The role may require people management activities including mentoring and hiring.
• Collaborate with various partners in RESL, Finance, Treasury, Analytics, and Technology to achieve business objectives.
• Assist with other RESL Pricing activities as needed.

Employee/Team

• Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation, and teamwork and ensure timely communication of issues/ points of interest.
• Develop relationships with internal and external business partners / stakeholders to develop productive working relationships.
• Contribute to a fair, positive, and equitable environment that supports a diverse workforce.

Key Leadership Behaviors

• Embrace and live the TD leadership profile.
• Embrace the TD Risk Appetite as it is applied to RESL.
• Be a client-driven change agent.
• Promote a unique and inclusive employee culture.
• Work effectively in teams embracing ONE TD

Experience & Education

Core Business Skills

• Problem solving: Structuring problems and driving solutions to aid margin management.
• Data Driven Decision Making: Defining success metrics, measuring outcomes.
• Stakeholder Management: Ability to influence decision making by translating data and insights into business decision making framework.
• Previous RESL, Product management and/or pricing experience will be preferred.

Core Analytical and Technical Skills

• Experience with working with large data sets (structured/unstructured)
• Using data and insights for storytelling
• Advanced knowledge of Microsoft Excel
• Knowledge of at least one visualization tool (e.g., PowerBI) preferred.
• Python/SQL for deeper analytics useful

Other Factors

• 4+ years of relevant experience in RESL, Product Management, Pricing, or similar roles

#LI_Commercial

Who We Are

TD is one of the world’s leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing - and so will you.

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

We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re 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 you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we’re committed to helping you identify opportunities that support your goals.

Training & Onboarding

We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process

We’ll 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 you’d 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