Work Location: Toronto, Ontario, Canada Hours: 37.5 Line of Business: Product Management Pay Details: $96,900 - $136,800 CAD 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. 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 transparent 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. 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

📌 Dir. De Produits (Toronto)
🏢 TD Bank Group
📍 Toronto