Senior Manager, Debit eCommerce

Royal Bank of Canada; Toronto; Hybrid; CAD 110,000 - 150,000; Full time

Job summary

Royal Bank of Canada is seeking a Senior Product Manager to lead the Debit eCommerce portfolio within Everyday Banking in Toronto. You will own day-to-day execution, define KPIs, and drive end-to-end product performance with cross-functional partners.

You will build business cases, manage risk and compliance, and lead strategic projects with stakeholders across Marketing, Digital, Operations, and Technology, while attending the office four days a week with one day of remote work.

Qualifications

• Execution mindset with the ability to dive into details and anticipate downstream impacts.
• Ability to influence cross-functional partners including Operations, Technology, Risk, and external payment ecosystem partners.
• Experience leading large, complex projects from planning through delivery with strong organizational skills.
• Understanding of payments and business risk with sound judgment in decision-making.
• Ability to turn complex data into clear, data-driven narratives for executives.
• Demonstrated leadership and ownership, able to work independently and handle ambiguity.
• Commitment to being on site in the office 4 days a week.

Responsibilities

• Own day-to-day execution and P&L for the Debit eCommerce portfolio, including monthly reporting and variance analysis.
• Translate strategic direction into product plans with defined KPIs and MVPs for Virtual Visa Debit and Interac Direct.
• Develop financial models and validate demand to inform investments and product decisions.
• Drive alignment across cross-functional partners to optimize end-to-end product performance.
• Manage operational, AML, fraud, reputational, and regulatory risk and lead remediation with Risk partners.
• Triage product issues, identify root causes with Operations and Technology, and deliver fixes.
• Shape and deliver cross-functional strategic projects and mandates with stakeholder buy-in.
• Build and maintain relationships with external partners in the payments ecosystem.
• Benchmark market trends and report product impact to leadership.

Skills

Execution Mindset

Stakeholder Influence

Project Leadership

Payments Risk

Analytical Storytelling

Leadership Ownership

On-site Presence

Job description

Job Description

What is the opportunity?

In this role, you will support and operationalize the strategic direction for the Debit eCommerce portfolio, understand client needs and strengthen RBC's competitive position. You will be accountable for day-to-day operations for the Virtual Visa Debit and Interac Direct portfolios, covering operational risk, compliance, monthly reporting, ongoing projects and issues, and foster strong external vendor relationships.

In addition, you will work with key partners in Enterprise Payments, Cards & Loyalty, Marketing, Business Risk, Fraud, Operations, Digital, and Technology to ensure end-to-end management.

This is a critical role within the Everyday Banking team, advancing Personal Banking's Empower 2030 goals. This role reports into the Director, Debit eCommerce.

This role requires in-office attendance four days per week, with one day of flexibility for remote work.

What will you do?

• Drive Portfolio Performance: Own day-to-day execution and P&L for the Debit eCommerce portfolio, including monthly reporting, variance analysis, and performance tracking.
• Deliver Product Strategy: Translate strategic direction into execution plans for Virtual Visa Debit and Interac Direct, with defined KPIs, MVPs, and iterative launches to improve client experience, grow revenue, and reduce costs.
• Build Business Cases: Develop financial models and validate demand to inform investment and product decisions.
• Lead Cross-Functional Delivery: Drive alignment and execution with Enterprise Payments, Cards & Loyalty, Marketing, Business Risk, Fraud, Operations, Digital, and Technology to optimize end-to-end product performance.
• Own Risk and Compliance: Manage operational, AML, fraud, reputational, and regulatory risk, and lead remediation with Legal, Compliance, Privacy, and other risk partners.
• Resolve Issues and Client Pain Points: Triage product issues, identify root causes with Operations, Digital, and Technology, and deliver fixes.
• Lead Strategic Projects: Shape, plan, and deliver cross-functional projects and mandates, building stakeholder buy-in along the way.
• Manage External Partners: Build and maintain vendor and payment ecosystem relationships.
• Benchmark the Market: Track payments trends, economic conditions, and competitor activity, and report product impact to leadership.

What do you need to succeed?

Must-have

• Execution Mindset: Operator's mindset with the ability to dive into details, anticipate downstream client and business impacts, and keep decisions aligned with RBC's broader goals.
• Stakeholder Influence: Ability to build alignment and influence cross-functional partners, including Operations, Technology, Risk, and external payment ecosystem partners.
• Project Leadership: Experience leading large, complex projects from planning through delivery, with strong organization and time management.
• Payments and Risk Acumen: Understanding of payments and business risk, with sound judgment in decision-making.
• Analytical Storytelling: Ability to turn complex data into clear, data-driven narratives for executive audiences and simplify complexity into actionable solutions.
• Leadership and Ownership: Demonstrated leadership and interpersonal skills, with the ability to work independently, handle ambiguity, and take initiative.
• Senior Experience: Experience in a comparable senior role.
• Ability to be on site/in office 4 days a week.

Nice-to-have

• Advanced Data Analytics: Deep expertise in turning complex datasets into insights that drive product and risk decisions.
• P&L Improvement: Proven P&L analysis that improves profitability and competitiveness for payment products.
• Program Management: Advanced knowledge of formal project or program management methodologies.
• Product Knowledge: Strong knowledge of Konek, Interac Direct, card products and Virtual Visa Debit
• Industry Knowledge: Prior experience managing strategic external relationships with payment rail providers

What's in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

Ability to make a difference and lasting impact

Work in a dynamic, collaborative, progressive, and high-performing team

Opportunities to do challenging work

Job Skills

Communication, Critical Thinking, Group Problem Solving, Knowledge Organization, Long Term Planning, Product Development Lifecycle, Product Manufacturing, Product Services, Product Testing, Waterfall Model

Additional Job Details

Address:

RBC WATERPARK PLACE, 88 QUEENS QUAY W:TORONTO City:

Toronto Country:

Canada Work hours/week:

37.5 Employment Type:

Full time Platform:

PERSONAL & COMMERCIAL BANKING Job Type:

Regular Pay Type:

Salaried Posted Date:

2026-11-09 Application Deadline:

2026-11-24 Note : Applications will be accepted until