Toronto Employment Platform

Senior Manager, Product Economics Credit Cards – Tangerine

Requisition ID: 100133

Tangerine is Canada’s leading direct bank. We offer flexible and accessible banking options, innovative products, and award-winning Client service. The reason why Tangerine employees come to work each day is to help Canadians live better lives. We focus on making a difference in our communities, and that includes our own internal community. It’s important to us that our employees feel empowered and enthusiastic about belonging to our Orange culture.


At Tangerine, our purpose is to deliver best in class banking solutions to Canadians. We take a hands-on approach to challenges and always seek out opportunities to improve. Building a career at Tangerine is more than just a job; we are committed to making a difference in the lives of Canadians. 


Who said that you have to hide your personality to deliver business results? We certainly do not, and that is what has made Tangerine a success. Come be a part of our collaborative, energetic and passionate client-centric team and continue to drive Forward Banking solutions for all Canadians. 


Role Purpose:
Leads and oversees performance management and optimization for Tangerine’s Credit Card and Unsecured Lending Business lines, ensuring business strategies, plans and initiatives are executed / delivered in compliance with governing regulations, internal policies and procedures.


Is this Role right for You?

Leads and drives a customer focused culture throughout their team to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
Leads annual strategic planning and regular forecasting for Credit Cards and Unsecured Lending, incorporating product strategies, tactical roadmaps and macro-economic trends; creates scenario plans to understand impact on integrated/product-specific performance benchmarks, as well as broader business objectives (market share, balance and revenue growth, Client acquisition etc.)
Provides Executive support and strategic guidance on portfolio trends, scenario planning, P&L risks and opportunities, through presentations and high-caliber communication materials
Acts as lead conduit to Finance, Treasury and Risk, regarding P&L dynamics, analytics, forecasting and planning activities for both Credit Cards/Unsecured Lending
Develops Client acquisition/cross-sell and balance growth strategies, in partnership with the Credit Card/Unsecured Product Management Teams, to achieve desired business outcomes; supports optimization of Client strategies through economic sensitivity analyses
Provide strategic thought leadership, counsel and analyses for medium and long-term Credit Card/Unsecured lending strategies and roadmaps
Regularly reviews and evolves the reporting/analytical infrastructure to empower decision-making and strategic insights for Senior Leadership, Product Teams and organizational counterparts 
Identifies opportunities and itemizes backlog of Deep Dive analyses, leading direct reports and organizational partners to deliver/present on regular basis 
Leads vendor analyses and cost optimization to support strategic decision-making on partnership opportunities. Maintains expert knowledge on vendor contracts, P&L sensitivities, and scenarios
Maintains solid understanding for Product Economics on Tangerine’s full product set; supports/leads cross-product analyses (deposits, investments, secured lending etc.) to recommend strategies that enhance value for Clients and Bank
Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
Creates an environment in which his/her team pursues effective and efficient operations of his/her respective areas in accordance with Scotiabank’s Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk.
Builds a high performance environment and implements a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment and using a coaching mindset and behaviours; communicating vison/values/business strategy; and, managing succession and development planning for the team.

Skills you need to Succeed?

Undergraduate degree in Business, Math/Statistics; MBA and/or Masters of Finance, Data Science or Analytics preferred
7+ Banking analytics and strategy experience with significant accountabilities relating to: 
P&L Management
Credit Card and Unsecured Business lines
Influencing Senior Executive decision-making
Leading analytical teams 
Digital channels
Emerging payment and lending trends

Strong strategic thinking ability, supported by exceptional data/financial analytical skills and business acumen
Knowledge of data analytics best practices, with strong experience using technical tools; exceptional data analytical skills
Passion for driving teams towards high performance and a deep pride in quality of work
Strong relationship-manager, with proven accomplishments leading cross-functional teams
Agile ‘mindset’ with flexibility to adapt, shift, navigated through varying set of priorities
Eager to mentor, coach, teach and share
Facilitation and fact-based problem solving to solution for immediate priorities
Excellent written, verbal, virtual and live communication skills 
Enthusiastic, thorough and results-oriented; ability to help Team thrive in fast-paced environment
Strong customer orientation with ability to interact with all levels of organization
Supports for regulatory environment
What’s in it for you.

You’ll be part of a diverse, collaborative, innovative, and high-performing team
We offer a competitive rewards package
Performance bonus, Share Ownership Program, and Pension Plan Matching
Health Benefits from day one!

Office perks: free healthy snacks (chocolate is healthy, right?) subsidized on-site cafeteria and parking
You will enjoy work life balance, team events, and opportunities to volunteer in the community. 
Your career matters! You will have access to career development and progression opportunities. 
Location(s):  Canada : Ontario : North York

At Tangerine we value the unique skills and experiences each individual brings to the team, and are committed to creating and maintaining an inclusive and accessible environment. If you require accommodation during the recruitment and selection process, please let our Recruitment team know.

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