Home Equity Portfolio Product Manager

TD Bank; Charlotte (NC); Presencial; USD 91.000 - 136.000; Tempo integral

Resumo da vaga

TD Bank Group is seeking a Product Manager to oversee the end-to-end management of the Home Equity portfolio, including HELOC and HELOAN offerings. You will shape features, pricing and customer experience to align with TD's profitability targets and strategic goals.

Based in Charlotte, NC, you will partner with line-of-business leaders and Acquisition teams to ensure product performance and growth, while navigating regulatory and market dynamics.

Qualificações

• The Product Manager oversees end-to-end management of assigned products, services and programs.
• Defines features, benefits and pricing aligned with the bank's P&L objectives.
• Acts as a source for customer insight-driven innovation and better customer experience.
• Must be located within TD footprint: CT, DE, FL, ME, MD, MA, NH, NJ, NY, PA, RI, SC, VT, VA, DC.
• Depth & scope: senior role with substantial knowledge in a complex field.

Responsabilidades

• Oversees and manages product and program needs for the Home Equity Portfolio (HELOC/HELOAN).
• Collaborates with product groups and senior managers to drive retention, growth and market share.
• Develops strategy and executes plans to meet widget and volume targets.
• Interacts with acquisition teams to align product delivery with business goals.

Descrição da vaga

Work Location: Charlotte, North Carolina, United States of America

Hours: 40

Pay Details: $91,000 - $136,240 USD

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 candidate's 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.

Line of Business: Product Management Job Description:

The Product Manager oversees the end to end management of assigned products, services and programs including features, benefits and characteristics that meet customer needs and are priced to meet the Bank's profit and loss objectives. The Product Manager manages a particular product or function supporting in the achievement of a business strategy. This role acts as a source for innovation led through customer insights and creating a better customer experience with a particular product. The role is accountable for business results and product sales, working with Acquisition teams to ensure widget and volume targets are met.

Must be located within TD footprint: CT, DE, FL, ME, MD, MA, NH, NJ, NY, PA, RI, SC, VT, VA, DC.

Department Overview:

The Home Equity Portfolio Product Manager is responsible for product/program needs associated with TD's HELOC and HELOAN portfolio.

Partners closely with Home Equity Product Group Lead (origination products/programs) and Senior Product Manager (RESL Demand Generation).

Experienced in analysis, building strategy, and execution to support areas such as: Mortgage and Home Equity Retention strategies.

HELOC Utilization strategies.

Home Equity portfolio growth, draw period/repayment period concentration, evergreen accounts.

HELOC Fixed Rate Option.

HELOC line access process and vehicles.

Partners with Fraud and Servicing for Home Equity product issues/initiatives.

Depth & Scope:

Highly seasoned professional role requiring substantial knowledge/expertise in a complex field and knowledge of broader related areas

Accountable for either a single major functional area with a mass or niche product/segment suite and moderate level of complexity with a range of complex attributes

Integrates knowledge of the enterprise sub-function's or business line's overarching strategy in developing solutions across multiple functions or operations

Provides expertise and advice on unique distribution issues (i.e. primarily 3rd party channels) for niche/customized products/segments

Has advisory/consultative accountability for functional areas that are not directly managed

Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions

Uses sophisticated analytical thought to exercise judgement and identify solutions

Impacts the achievement of sub-function or business line objectives within the area accountable for

Develops and maintains a robust understanding of the regulatory requirements, customer, market, and industry to deliver product and process innovation to improve the value proposition

Develops and implements products/policies and procedures in such a way that it enhances the end to end customer experience (including training, enhancement and irritant reduction) while achieving business objectives

Oversees and ensures the clear and effective delivery of products and services to the customer

Acts as a Subject Matter Expert for product-related inquiries

May lead business plans leveraging Acquisition and Segments teams to increase new account growth and track P&L impact

Liaises with partners (i.e. Marketing, Phone Channel, Retail) to understand industry and customer trends; Analyzes challenges and identifies areas of opportunity through customer research, focus groups, and external secondary research; Facilitates ideation sessions and builds necessary business cases for NPD, identifying solutions and building stronger plans for growth

Builds and maintains effective relationships with sales distribution, key internal stakeholders and/or external partners to ensure that customer needs are considered in strategic decisions and in the development of options, solutions and alternatives

Leads and facilitates problem solving sessions with partners and vendors

Designs end to end process for development, implementation, use, reporting and feedback on developed products and segments

Directs and coordinates market research to determine underlying customer needs - input to development process

Participates in the day to day management of the product(s), identifying and implementing