Product Owner I (US)- Credit Decisioning

Work Location:
Mount Laurel, New Jersey, United States of America

Hours:
40

Pay Details:
$91,000 - $145,600 USD

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.

Line of Business:
Enterprise Enabling Functions
Job Description:

The Product Owner I- Credit Decisioning is responsible to ensure that a development team (pod) is creating value for the organization through the delivery of customer-focused product increments. This entails aligning with other Product Owners and senior management to follow a product vision, creating and maintaining a prioritized product backlog, managing delivery blockers, continuously assessing customer feedback. The Product Owner I should always be considering how to maximize value, assessing how the product or the delivery process can be continuously improved, contributes to a positive work environment and ensures that work embodies the Agile principles of transparency, collaboration and engagement.

Depth & Scope:

• Key subject matter expert professional role requiring substantial knowledge / expertise in a complex field and knowledge of broader related areas
• Accountable for specialized product development support based on sound product expertise and knowledge of Agile/Scrum processes, roles and practices
• Integrates knowledge of the enterprise sub-function's or business line's overarching strategy in developing solutions across multiple functions or operations
• Interprets internal/external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or services
• Leads and integrates cross-function understanding within their own field of specialty, and /or projects with significant resource requirements, risk and / or complexity
• Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions
• Uses sophisticated analytical thought to exercise judgement and identify solutions
• Impacts the achievement of sub-function or business line objectives within the area they are accountable for
• Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders
• Works autonomously as the lead and guide others within area of expertise

Education & Experience:

• Undergraduate degree and / or product certificate
• 7+ years relevant experience
• 3-5 years Product Owner or Agile related delivery experience
• Certified Scrum Product Owner (CSPO) certification and project management experience considered an asset
• Scaled Agile Framework (SAFe) certifications or experience operating in scaled agile delivery considered an asset

Preferred Qualifications:

• Experience in credit risk and credit cards(Credit Decisioning Process)
• Experience in JIRA, Power Curve Origination and/or ADM
• Strong communication skills
• Independent worker/self-starter
• Ability to manage multiple priorities

Customer Accountabilities:

• Partners with senior management to support the delivery of a product vision
• In alignment with the product vision, create and maintain a product backlog and continuously re-prioritize user stories that will provide the most customer or end user value
• Continuously aligns with senior management on the product delivery roadmap, defined Minimum Marketable Features or Minimum Viable Products and release cadence
• Reviews performance analytics; recommend and champion strategies to enhance the customer or end user product experience
• Participates in scrum or Kanban events (e.g. stand-ups, retrospectives), express new ideas for improving product value or delivery efficiency, sharing with leadership as appropriate
• Proactively engages established business process partners to ensure customers or end users are prepared for application changes and establish Day 2 processes
• Creates a value-focused product backlog and continuously iterate, ensuring there are user stories scoped and prioritized
• Provides user story design, development and completion oversight; accepting / rejecting user stories based on the agreed upon Definition of Done and Acceptance Criteria
• Manages delivery initiatives and (depending on complexity) oversee multiple development team (pod) backlogs
• Proactively raises issues that impede the efficient delivery of customer-focused increments
• Responsible for defect management and prioritization

Shareholder Accountabilities:

• Adheres to enterprise frameworks or methodologies that relate to activities for own business area / journey
• Ensures on-going strategic alignment with senior management, providing feedback as appropriate
• Considers development team and stakeholder feedback in backlog management, facilitating conversations with multiple stakeholders representing competing priorities
• Understands the internal business and technical environment, proactively defining, aligning or integrating with relevant stakeholders, shared services control groups (or platform as appropriate
• Leads the submission and discussion on the Quarterly Business Review, with respect to their product
• Proactively manages business stakeholders to obtain inputs needed for product development in a timely manner
• Monitors the regulatory environment and partner with the senior management to consider changes to product strategy as needed
• Actively coordinates and engages in risk, quality and/or business testing management
• Empowered to make product delivery decisions, escalating to senior management as appropriate
• Actively communicates to business, technology and senior management regarding product changes and backlog priorities
• Single point of escalation for development team, providing guidance and decisioning as needed
• Works cohesively with peers to reinforce Agile processes
• Compiles performance metrics and share with relevant stakeholders
• Defines the OKRs in partnership with numerous stakeholders across the organization
• Protects the interests of the organization- identify and manage risks, and escalate non-standard, high risk activities as necessary
• Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite

Employee/Team Accountabilities:

• Participates fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues / points of interest
• Supports team development, track team performance metrics, and provides ongoing coaching and support
• Provides thought leadership and / or industry knowledge for area of expertise in product area and participate in knowledge transfer within the team and business area / journey
• Works cohesively with Scrum Master to reinforce Agile processes
• Participates in personal performance management and development activities, including cross training within own team
• Keeps others informed and up-to-date about the status / progress of delivery and / or all relevant or useful information related to day-to-day activities
• Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices
• Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for the business area / journey and the bank, both internally and / or externally

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel - Occasional
• International Travel - Never
• Performing sedentary work - Continuous
• Performing multiple tasks - Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds - Occasional
• Sitting - Continuous
• Standing - Occasional
• Walking - Occasional
• Moving safely in confined spaces - Occasional
• Lifting/Carrying (under 25 lbs.) - Occasional
• Lifting/Carrying (over 25 lbs.) - Never
• Squatting - Occasional
• Bending - Occasional
• Kneeling - Never
• Crawling - Never
• Climbing - Never
• Reaching overhead - Never
• Reaching forward - Occasional
• Pushing - Never
• Pulling - Never
• Twisting - Never
• Concentrating for long periods of time - Continuous
• Applying common sense to deal with problems involving standardized situations - Continuous
• Reading, writing and comprehending instructions - Continuous
• Adding, subtracting, multiplying and dividing - Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Who We Are:
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.

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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more

Additional Information:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.

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

Interview Process
We'll 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

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.

If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.