Hicham Zhiri
Toronto,Canada
Summary
Results-driven business professional with 15+ years of experience in commercial and small business product development and management, finance, data analytics, reporting, planning, budgeting, accounting, and process improvement. Proven ability to drive organizational success, including onboarding 16,000+ business customers who accepted TD loan conversion offer, resulting in over $600MM in new small business banking lending volume. Skilled in optimizing workflows and enhancing customer satisfaction through expertise in financial analysis and data-driven decision-making. Excited to leverage visionary leadership and strategic insight to accelerate growth and innovation.
Overview
19
19
years of professional experience
Work History
Product Manager - SBB and Commercial Credit
TD Bank
12.2023 - Current
- Led the launch of the new HASCAP claim process to enhance colleague's experience. Coordinated and delivered targeted training sessions in partnership with the Business Development Canada (BDC) team, successfully equipping Business Customer Assistance (BCA) and Financial Restructuring Group teams (FRG) with comprehensive understanding of the new HASCAP claim process, resulting in improved process adoption and reduced errors.
- Led the Trade Expansion Lending Program (TELP) launch, collaborating cross-functionally with TBSM, BBHUB, and RMP teams to coordinate product details, TST feature documentation, and CRA updates. This will enable TD to gain market share by utilizing TELP as a competitive advantage to win deals.
- Identified strategic market opportunities by creating a detailed comparative roadmap of EDC products, highlighting gaps and informing future product development and positioning strategies.
- Delivered exceptional client service support, partnering with BCA teams and CBCs to investigate and resolve customer inquiries related to claims and credit, providing timely and effective guidance.
- Developed onboarding materials for the Global Trade Finance (TFO) team, enhancing understanding of Export Development Canada (EDC) programs and identifying new opportunities to drive business growth and increase EDC product penetration within the bank. This increased the product utilization rate in year 1 by 70%.
- Presented EDC product updates and reminders to Commercial Banking Centres (CBCs) during the MCC meeting, boosting internal awareness and alignment on key initiatives.
- Streamlined regulatory compliance efforts by summarizing and presenting credit policy updates from EDC to TD securities and Legal teams, accelerating the legal review process.
- Contributed to policy development by providing key data insights and product updates to the Credit Policy team for SBB and Commercial segments, supporting the successful revision and approval of EDC/BDC product policies.
Product Manager - Small Business Banking Credit
TD Bank
12.2022 - 12.2023
- Demonstrated leadership, adaptability, and resilience while supporting the CEBA Loan Conversion Program (CLCP) launch. Ability to lead and bring meaning to a complex strategy to deliver an impactful lending program for customers, colleagues, and shareholders, and change the way that the Bank lend to customers in the future. In the short offer period, over 16,000 Business customers accepted the offer, totaling over $600MM in new SBB lending volume.
- Led end-to-end CEBA (Canada Emergency Business Account) Loan Conversion Program (CLCP) reporting by consolidating data from Data Governance team, BBHUB platform, and Marketing into daily and weekly executive-ready packages, improving visibility into project performance and customer segmentation (Self-Serve vs. Assisted Channels, Portfolio vs. Non-Portfolio); results presented monthly at executive meetings.
- Designed and implemented pricing strategies by working cross-functionally to evaluate offer profitability, uptake potential, risk exposure, and rate changes; delivered pricing walkthrough and aligned forecasts with Finance quarterly.
- Developed dynamic data models and pivot tables for pre-approved/non-pre-approved customer lists, enabling segmentation by region, account manager, ownership type, and private banking impact—supporting effective volume forecasting and AM/AMSB readiness.
- Partnered with Credit/Core Platforms to enhance offer eligibility accuracy by incorporating new product code into exposure margin calculations, reducing risk of offer overexposure for business owners.
- Improved customer experience by investigating and resolving offer-related issues in partnership with Policy, Small Business Offer (SBO), SimpleApp, and Data Governance. Built issue trackers and ensured timely follow-ups and communication with impacted customers.
Product Manager - Business Banking Product Lending Group
TD Bank
02.2021 - 12.2022
- Led the CEBA loan renewal date extension initiative for ~180,000 customers by driving stakeholder engagement, delivering intake walkthrough, and aligning automation efforts with communication timelines in collaboration with the Innovative Automation team.
- Initiated and developed a new repayment product, working closely with Operations and project teams to submit intake, engage stakeholders, and secure VP-level approvals—enhancing repayment strategy and customer support.
- Designed and launched a Job Aid and process framework to guide external Agency teams through the collections process and streamline reassignment of accounts back to Export Development Canada (EDC).
- Led the CLKB (CreditLink for Business) initiative to reduce CEBA exposure in credit applications by submitting intake and collaborating with Policy, Legal, Risk, and Operations to implement a timely and accurate solution.
- Created and implemented both a manual and automated reporting solution for EDC-mandated Cessation event tracking—successfully coordinating with Collections, Data Governance, Analytics, and Technology to meet 2022 reporting requirements.
- Led the collections solution for ineligible CEBA customers, collaborating with Business Analysts on new tactical messaging campaigns, drafting scripts, and presenting a concise solution overview to Business Banking Executives.
- Partnered with Estate, Fraud, and Credit Advisory teams to develop customized CEBA demand letters, ensuring compliance and tone accuracy through stakeholder reviews and Control Partner approvals.
Finance Manager - Personal Saving & Investing, Retail Banking Finance
TD Bank
08.2018 - 02.2021
- Produced NII forecast attribution models and quarterly YoY performance views to support strategic discussions and executive communications—leading to improved business insights and earning direct recognition from the Senior Vice President of Personal Saving & Investing Team.
- Led the business case development for a $200MM end-to-end IJ project, performing scenario analysis on benefit realization and SVA impact under changing assumptions and delays—supporting informed decision-making across leadership teams.
- Owned the Forecast and Planning process during a high-market volatility period driven by interest rate fluctuations, ensuring accurate and timely financial submissions under complex conditions.
- Developed a margin comparison tool by product to support monthly and quarterly MBRs, enhancing visibility into margin performance. Improved the finance reporting model to simplify use for Product and Finance teams—resulting in positive stakeholder feedback.
- Delivered timely ad-hoc analyses, including NII jump-off summaries, attribution views, and BoC rate impact modeling based on TBSM updates—supporting real-time executive decision-making.
- Streamlined monthly reporting processes for PS&I by modifying FM models and improving result review efficiency. Contributed significantly to year-end close and analysis.
- Responded to EY audit requests by identifying key Retail Banking variances and providing detailed analysis and explanations within tight timelines.
- Acted as a key liaison with TBSM, delivering monthly insights into margin and volume drivers such as W-ISA growth, beta sensitivity, and customer pricing trends—enhancing transparency on Money-In dynamics.
- Made significant progress on Future Ready Finance documentation initiatives, advancing SIPOC process mapping under tight deadlines and contributing to broader transformation efforts.
Senior Finance Analyst - SBB Deposit - Business Banking Finance
TD Bank
01.2016 - 08.2018
- Developed a Term Deposit Product Model to track Private Banking and regional volume/yield performance—resulting in enhanced customer yield strategy, the introduction of control grids in PB branches, and $1M+ in annual shareholder value creation.
- Built a Service Plan Profitability Calculator, collaborating with Product and BI teams to model customer behavior and support a major revamp of service plans. The tool directly influenced product feature selection and eliminated the need for a $500K+ external consultant.
- Created an interactive Power BI dashboard to monitor SBB Deposit Account growth, automating monthly performance reporting and providing strategic insights that drove informed decisions across Finance and Product teams.
- Designed and enhanced a regional financial dashboard to track SBB product volume, revenue, expenses, and contribution by region/district. Provided business leaders with simplified, dynamic visualizations to support monthly business reviews and strategic planning.
- Redesigned the monthly results package by introducing new, high-value views such as Volume Growth Bridges, Service Plan Movement & Fees, and Deposit Fee Drivers—improving clarity, usability, and leadership engagement.
- Supported strategic business initiatives, including the Small Business Management Reporting Dashboard, by developing financial process templates (FPT), advising project managers, and collaborating with external consultants to shape deliverables.
- Drove reporting efficiency and automation, creating detailed OBI expense queries and enhancing existing files with automated NII volume/rate analysis and product-level growth bridges—streamlining day-to-day operations and boosting reporting accuracy.
Intermediate Financial Analyst II - Corporate Segment Finance
TD Bank
11.2013 - 12.2015
- Supported quarterly forecasting and annual planning cycles, delivering accurate and timely financial data to meet Digital Channel and Corporate Consolidation requirements—ensuring executive visibility and alignment with enterprise goals.
- Designed and implemented scalable reporting models and methodologies to meet evolving digital channel analytics needs, improving reporting accuracy and reducing manual effort.
- Streamlined monthly reporting processes by creating a detailed Monthly Operating Results (MOR) model and VP-level controllable expense reporting, significantly enhancing visibility and simplifying stakeholder review.
- Produced key financial deliverables including BD6 Flashes, MOR, KPI dashboards, RBP&S, and expense reports—ensuring timely, error-free reporting while adapting templates for ongoing business changes.
- Performed variance and resource utilization analysis to support cost optimization and improve spending transparency across digital initiatives—driving actionable insights for leadership.
- Led the successful migration from Hyperion EMRS to SmartView, resolving technical issues, enhancing user adoption, and providing continuous support to the Digital Channels finance team.
- Collaborated cross-functionally with internal/external teams to implement new financial models and processes tailored to shifting business needs—improving forecasting and reporting agility.
- Maintained Digital Channel financial hierarchy in FPS, managing cost center updates and roll-ups while communicating structural changes across multiple business units.
- Completed SOX audit successfully by establishing and owning a streamlined system access management process for the entire group; maintained EUC inventory and enhanced documentation to ensure compliance and audit readiness.
Financial Analyst - Mutual Funds - Wealth Management & Operations
TD Bank
06.2010 - 10.2013
- Prepared accurate audited annual and unaudited semi-annual financial statements within strict regulatory deadlines, ensuring compliance and supporting successful audit outcomes.
- Completed first-level review of PIC Funds, streamlining the review process and significantly reducing the workload for senior team members.
- Ensured documentation accuracy and compliance by maintaining consistency with relevant accounting standards, regulatory frameworks, and internal controls.
- Proactively identified and automated manual processes, increasing efficiency, reducing errors, and improving turnaround time on key recurring tasks.
- Contributed to continuous improvement initiatives, actively participating in team-based process enhancements and fostering a collaborative, high-performance work environment.
- Provided cross-team support during critical periods, assisting the STF team with daily fund accounting tasks, including NAV valuations, bank reconciliations, and distribution processing—ensuring timely completion during high-volume cycles.
Junior Financial Analyst
Pillar Security
05.2009 - 02.2010
Account Receivable Clerk
NESCOM Confection
08.2006 - 08.2007
Education
MScIB -
University of Hertfordshire
10.2015
MBA - undefined
Vancouver Island University
BC01.2010
Bachelor of Business Administration - undefined
International Institute of Higher Education
Morocco07.2007
Skills
- Strategic product planning
- Sales revenue generation
- Financial analysis
- Data analysis proficiency
- Analytical reporting
- Financial planning and management
- Accounts reconciliation expertise
- Advanced knowledge of Microsoft tools
- Data modelling
- Proficient in business intelligence tools
- Sales revenue generation
Awards
- Top Performance and Summit Award, Q4 2023
- Above & Beyond Award, Q4 2019
- Act for Impact Award, Q3 2019
- Act for Impact Award, Q2 2019
- PIP Award, 2018
- Act for Impact Awards, Q3 2017
- Act for Impact Awards, Q1 2017
- Act for Impact Awards, Q3 2016
- Corporate League of Excellence, 2015-Q4
- Corporate League of Excellence, 2014-Q2
- Top Performer Winner, Mar 2013
- Top Performer Winner, Dec 2012
- Seven-Star Award Quarterly Nomination, 2010-2013
Languages
English
Full Professional
French
Professional Working
Timeline
Product Manager - SBB and Commercial Credit
TD Bank
12.2023 - Current
Product Manager - Small Business Banking Credit
TD Bank
12.2022 - 12.2023
Product Manager - Business Banking Product Lending Group
TD Bank
02.2021 - 12.2022
Finance Manager - Personal Saving & Investing, Retail Banking Finance
TD Bank
08.2018 - 02.2021
Senior Finance Analyst - SBB Deposit - Business Banking Finance
TD Bank
01.2016 - 08.2018
Intermediate Financial Analyst II - Corporate Segment Finance
TD Bank
11.2013 - 12.2015
Financial Analyst - Mutual Funds - Wealth Management & Operations
TD Bank
06.2010 - 10.2013
Junior Financial Analyst
Pillar Security
05.2009 - 02.2010
Account Receivable Clerk
NESCOM Confection
08.2006 - 08.2007
MBA - undefined
Vancouver Island University
Bachelor of Business Administration - undefined
International Institute of Higher Education
MScIB -
University of Hertfordshire
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