Director - Commercial Card - Senior Product Manager - Transaction Banking Product, TD Securities

TD•Charlotte, NC

2d•$190,000 - $250,000•Onsite

About The Position

The Commercial Card Senior Product Manager leads the strategy, development, launch, and ongoing management of the core Commercial Card portfolio. The role defines the product vision and roadmap, translates market and client needs into competitive capabilities, and partners across Sales, Technology, Risk, Operations, Marketing, and external providers to deliver resilient solutions. The Senior Product Manager serves as a Commercial Card and payments subject matter expert, using performance data, client insight, and industry trends to strengthen the value proposition, improve customer experience, manage risk, and drive sustainable growth and profitability. The successful candidate brings deep Commercial Card industry experience, ideally gained across multiple issuers or payment organizations, and can influence senior stakeholders, lead cross-functional delivery, and communicate complex product matters clearly to technical and non-technical audiences. TD Securities provides capital markets products and services to corporate, government, and institutional clients. Its services include underwriting and distributing new issues, providing advice and industry insight, extending access to global markets, and delivering integrated transaction banking solutions. The position is based in Charlotte, North Carolina, and has a stated 40-hour workweek.

Requirements

At least 7 years of Commercial Card product management experience.
Strong knowledge of corporate payment solutions, processing, credit risk, regulatory requirements, and industry operating practices.
Demonstrated experience developing product strategies, managing roadmaps, and leading initiatives from concept through implementation and post-launch optimization.
Ability to identify market opportunities, build business cases, establish priorities, and contribute to the strategic direction of a product management function.
Strong analytical and financial acumen, including the ability to interpret product performance, customer behavior, market data, and reporting to make evidence-based decisions.
Knowledge of current and emerging Commercial Card, payments, digital technology, market, and competitor trends.
Excellent written, verbal, presentation, and corporate client-facing communication skills, including explaining technical or complex topics to non-technical audiences.
Strong stakeholder management, collaboration, and influencing skills, with experience leading cross-functional teams and working with senior leaders, clients, and external partners.
Strategic thinking, sound judgment, structured problem-solving, and the ability to balance client value, growth, risk, and delivery considerations.
Ability to work independently, take initiative, manage multiple priorities, meet deadlines, and produce high-quality work.
Advanced ability to plan, lead, implement, and evaluate product initiatives while maintaining clear accountability for outcomes.
Proficiency with analytical and reporting tools and methods; intermediate or higher Microsoft Excel skills and strong attention to data quality and detail.
Working knowledge of standard operating procedures and control expectations for Commercial Card products.

Nice To Haves

Commercial Card industry experience gained across multiple issuers or payment organizations.

Responsibilities

Define and maintain the Commercial Card product vision, strategy, and multi-year roadmap aligned with business objectives, market opportunities, and evolving client needs.
Lead the end-to-end product lifecycle, including discovery, business case development, requirements, pricing, positioning, launch, implementation, performance monitoring, and continuous improvement.
Conduct market, competitor, client, and industry research to identify growth opportunities, emerging trends, unmet needs, and product or process differentiation.
Translate strategic priorities and client feedback into product specifications, user experiences, features, and customer-facing enhancements.
Partner with Sales, Technology, Risk, Operations, Marketing, Finance, Legal, Compliance, and external providers to deliver product initiatives and resolve complex business or client challenges.
Build relationships with corporate clients and distribution partners to gather insight, validate priorities, and reflect client needs in product decisions.
Develop product positioning, sales enablement materials, and training to help attract, deepen, and retain corporate client relationships.
Monitor product performance, including card usage, transaction volume, revenue, profitability, client adoption, and customer experience, and use findings to adjust strategy and investment priorities.
Identify, assess, and manage product, operational, regulatory, credit, and payment-related risks in alignment with risk appetite and control standards.
Design and improve end-to-end product processes, including development, implementation, usage, reporting, feedback, and ongoing governance.
Lead structured problem-solving and decision-making sessions with internal partners, vendors, and other stakeholders to advance initiatives and address delivery barriers.
Prepare and present product reviews, forecasts, strategic recommendations, investment needs, risks, and decisions to senior management.
Maintain current knowledge of Commercial Card, payments, digital tools, regulatory developments, and competitor activity, and apply that knowledge to the product portfolio.