Deposit Pricing and Portfolio Optimization Leader

1 week ago


New York, New York, United States TD Bank Full time
Job Summary

We are seeking a highly skilled and experienced professional to lead our Consumer Deposit Pricing and Portfolio Optimization team. As the Head of Consumer Deposit Pricing and Portfolio Management, you will be responsible for establishing and managing the P&L of a Consumer Retail Deposit portfolio of over $100Bn to drive profitable growth and optimize the portfolio.

Key Responsibilities
  • Establish and manage all pricing and fee decisions for $100Bn of Consumer Retail Deposit portfolio
  • Create an integrated decision framework that analyzes economic and customer behavior for balance change and addresses at-risk population through competitive pricing strategies
  • Maintain and grow industry-leading Net-Interest Margin at balance growth in line or above industry
  • Manage non-interest income analysis and decisions based on customer needs, regulatory changes, and guidance, all focused on driving revenue growth within TD's risk framework
  • Influence internal and outside of deposits organization to drive critical business strategy and decisions (value proposition, growth, and engagement tactics), all aligned to profitable growth
  • Provide recommendations based on insights of alternative sources for balance and P&L growth: ensuring end-to-end oversight of product solutions
  • Ensure any emerging risks and opportunities are communicated to senior executives
  • Lead Stress Testing review and challenge for Consumer Deposit Products & Payments
Requirements
  • Bachelor's degree required
  • 7-10 years of related experience
  • Proven senior management leadership skills to lead a quality department of well-respected experts and consultants
  • Ability to develop and drive product strategies throughout the organization
  • Comprehensive knowledge of the design, development, implementation, and profitability of product development and marketing in a financial/banking environment required
  • Superb communication, problem-solving, and decision-making skills with ability to effectively communicate with executive management
  • Proven ability to build strong collaborative business relationships
  • Demonstrated ability to negotiate and apply skills to exercise influence over others' decisions without express authority and influence mass change management
  • Experience in leading project management and delivering on time and within budget
  • Proven experience in product pricing, financial statements, and ensuring budget targets are met or exceeded
What We Offer

We offer a competitive compensation package, including eligibility for cash and/or equity incentive awards, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition.

We are committed to providing the support our colleagues need to thrive both at work and at home. 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.



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