Manager, Capital Optimization

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Pay Details:

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 candidates 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.

Job Description:

The Manager Capital Optimization is accountable for supporting the identification analysis development and delivery of initiatives that improve capital efficiency risk-adjusted returns and portfolio performance across the Commercial loan book. Reporting to the Senior Manager Capital Optimization this Level 10 role will translate capital RWA RAROC BRR FRR pricing and portfolio insights into clear recommendations decision tools business cases and execution plans.

The role will work closely with Commercial Lending Product Finance Risk AI2 Treasury Enterprise Capital Technology Operations and front-line partners to advance in-flight capital optimization work and build a pipeline of future opportunities. The role requires strong analytical capability comfort operating through ambiguity and the ability to convert technical capital concepts into practical recommendations for senior leaders and business partners.

Key Accountabilities
Capital Optimization Analysis and Opportunity Assessment
Support the Senior Manager in building and maintaining a prioritized pipeline of capital optimization opportunities across Commercial Lending.
Analyze RWA drivers BRR and FRR outcomes RAROC performance pricing economics portfolio mix and segment-level profitability to identify opportunities for improved capital productivity.
Conduct detailed opportunity sizing scenario analysis sensitivity testing and impact assessments to quantify potential capital RWA ROE RAROC risk operational and customer impacts.
Assess the feasibility dependencies governance requirements risks and execution complexity of capital optimization initiatives.
Translate technical analysis into clear recommendations options pros and cons and decision materials for the Senior Manager AVP VP and cross-functional partners.
Maintain disciplined documentation of assumptions methodologies data sources findings and decisions to support governance auditability and future handoff.

Drive Cross-Functional Execution and Ongoing Insights
Partner with Commercial Lending Product teams as well as Finance Risk AI2 Treasury Enterprise Capital Model Development Technology Operations and front-line business partners to advance initiatives from analysis to implementation including the embedding of controls aligned with risk appetite business objectives and regulatory expectations.
Leverage analytics and modeling to evaluate client profitability capital intensity RWA drivers RAROC outcomes and portfolio performance.
Translate capital RAROC pricing and portfolio insights into practical decision-making tools recommendations and executive-ready materials for senior leadership.
Compile and interpret capital RAROC pricing and portfolio reporting providing senior leadership with clear insights into performance risks trade offs decisions required and opportunities.
Lead governance forums business reviews or executive updates related to capital optimization articulating progress risks dependencies recommendations and forward strategy.
Define and track OKRs and performance metrics for capital optimization using insights to inform prioritization and execution decisions.
Act as the single point of escalation for complex capital optimization escalating when appropriate.

Stakeholder & Team Leadership
Lead influence and coordinate cross functional teams across capital Product Finance Risk AI2 Technology Operations and front-line business partners.
Foster a high performance inclusive culture that encourages analytical rigor innovation learning and continuous improvement.
Provide thought leadership and deep subject matter expertise on capital optimization and commercial credit portfolio performance.
Act as a trusted advisor and brand ambassador for disciplined capital management pricing excellence and the broader commercial product organization.
Support capability building and knowledge transfer across the product capital pricing and risk communities.

Cross-Functional Delivery and Governance Support
Coordinate cross-functional working groups and support delivery from analysis through recommendation governance implementation and benefits tracking.
Prepare concise executive-ready materials briefing notes one-pagers meeting summaries decision logs and action trackers for capital optimization initiatives.
Support governance submissions and stakeholder alignment across Product Finance Risk AI2 Treasury Enterprise Capital Technology Operations and front-line partners.
Identify risks issues dependencies and trade-offs that require escalation to the Senior Manager or AVP.
Contribute to a strong risk culture by ensuring analysis recommendations and execution plans are aligned with risk appetite regulatory expectations and business objectives.

Experience & Qualifications
Undergraduate degree in business finance economics mathematics analytics risk management or a related discipline; professional designation or advanced degree is an asset.
5 years of relevant experience in commercial banking credit risk product management finance treasury analytics capital management pricing or related fields.
Strong understanding of commercial lending RWA BRR FRR RAROC pricing economics collateral credit structures and portfolio performance.
Demonstrated ability to conduct structured analysis interpret complex data build business cases and communicate insights clearly to senior audiences.
Strong stakeholder management skills with the ability to work across Product Finance Risk AI2 Treasury Enterprise Capital Technology Operations and front-line teams.
Experience operating in a regulated financial services environment and supporting governance policy audit or control processes is preferred.

Success in This Role Looks Like
A clear and well-maintained pipeline of capital optimization opportunities with documented sizing feasibility dependencies owners and next steps.
High-quality analysis that enables better decisions on RWA efficiency pricing RAROC BRR FRR risk transference and portfolio profitability.
Capital optimization initiatives move from insight to recommendation governance implementation and benefits tracking with minimal friction.
Senior leaders receive concise accurate and actionable materials that clearly explain trade-offs risks benefits and decisions required.
Cross-functional partners view the role as a reliable analytical partner who can connect capital credit pricing product and operational considerations.
Capital RAROC pricing and portfolio insights become more consistently embedded into Commercial Lending decision-making.

Who We Are:

TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we strive to make every interaction product and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to foster deeper relationships ensure disciplined execution and build a simpler faster banking experience. TD is deeply committed to being a leader in client experience that is why we believe that all colleagues no matter where they work are client facing. Together we are reimagining what banking can be for our clients colleagues and communities.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial physical and mental well-being goals. Total Rewards at TD includes a base salary variable compensation and several other key plans such as health and well-being benefits savings and retirement programs paid time off banking benefits and discounts career development and reward and recognition programs. Learn more

Additional Information:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations requirements.

Colleague Development

If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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.

If youre passionate about helping clients and building deep lasting relationships TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

Were committed to your success and foster a respectful workplace where diverse perspectives are valued everyone has fair opportunities to grow and you can unlock your full potential to achieve your career goals. Here at TD we hire and develop the best.

Training & Onboarding
We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process
Well reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
Your accessibility is important to us. Please let us know if youd like accommodations (including accessible meeting rooms captioning for virtual interviews etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):