Senior Product Analyst – Pricing and Billing

TD•Toronto, ON

9d•Onsite

About The Position

TD Business Banking provides financial solutions to Canadian businesses, ranging from small enterprises to large commercial clients. The Commercial Deposits & Cash Management Services (CMS) team is crucial for enabling clients to securely and efficiently move, manage, and optimize cash flow. Within Commercial Deposits and CMS, the P&L and Portfolio Management team drives revenue growth and client value through disciplined pricing, accurate billing, and robust portfolio management, collaborating with various internal partners including Sales, Product, Finance, Operations, Treasury and Balance Sheet Management (TDBSM), Analytics (BBAI2), and Technology. This role specifically supports Deposit pricing and CMS billing governance, revenue optimization, and the execution of portfolio strategy. The Senior Product Analyst acts as the subject matter expert for pricing inquiries and exceptions, pricing tools, billing enhancements, identifying revenue leakage, sales dashboards, and account and portfolio analytics. This individual will collaborate closely with the Manager, Billing, Manager, P&L – Deposits, and the Senior Manager, P&L and Portfolio Management, contributing to ongoing business operations and strategic initiatives while upholding strong analytical rigor, governance, and stakeholder alignment.

Requirements

Bachelor’s degree in Business, Finance, Economics, or a related field.
Typically 5+ years of progressive experience in business analysis, pricing, finance, product, or portfolio management within banking or financial services.
Strong analytical and financial modeling skills with the ability to interpret complex data sets.
Solid understanding of pricing strategies, profitability analysis, and revenue drivers.
Experience supporting process improvements, controls, or revenue integrity initiatives.
Proven ability to translate business needs into clear requirements and actionable insights.
Strong stakeholder management skills; able to influence across Sales, Product, Finance, Operations, and Technology.
Excellent written and verbal communication skills, with experience supporting senior leadership.

Nice To Haves

Experience in cash management, deposits, payments, or commercial banking strongly preferred

Responsibilities

Manage and assess pricing inquiries and exceptions for Commercial Deposits and CMS products, ensuring adherence to pricing frameworks, profitability thresholds, and governance standards.
Conduct financial and client-level analysis to support pricing recommendations, balancing revenue, competitiveness, and client relationship considerations.
Partner with Sales, Product, Finance, and Treasury and Balance Sheet Management to resolve complex pricing scenarios and escalations.
Document pricing rationale, decisioning outcomes, and approvals.
Support the enhancement, maintenance, and evolution of pricing tools, including calculators, pricing grids, and exception support tools.
Support translating business requirements into clear functional specifications in partnership with team members, Technology and Analytics teams.
Identify opportunities to simplify, automate, and improve pricing workflows and to enhance front-line efficiency and decision quality.
Ensure pricing tools support effective P&L management, reporting accuracy, and regulatory compliance.
Enhance billing processes, controls, and reconciliation frameworks.
Identify, quantify, and remediate revenue leakage related to pricing setup, billing execution, or process gaps.
Support root cause analysis and development of corrective action plans.
Analyze billing data and trends to highlight risks, control weaknesses, and improvement opportunities.
Contribute to continuous improvement initiatives that strengthen billing accuracy and client experience.
Enhancing pricing and profitability reporting.
Developing and maintaining sales and portfolio performance dashboards.
Providing insights on revenue trends, pricing effectiveness, and client behavior.
Deliver clear, concise analytical insights to inform sales strategies, pricing decisions, and portfolio optimization.
Account segmentation, performance analysis, and opportunity sizing.
Identification of portfolio risks, concentration issues, and growth opportunities.
Development of data-driven account management and cross-sell strategies and recommendations.
Contribute analytical and project support to strategic initiatives and ad hoc requests aligned to business priorities.
Participate in cross-functional initiatives related to pricing, billing, revenue management, and portfolio optimization.
Lead or support projects as assigned, ensuring strong analytical discipline, stakeholder engagement, and on-time delivery.
Remain current on industry trends, competitive practices, and internal policy changes impacting pricing and cash management.