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Philip V. has over 19 years of experience in the financial services sector, primarily with Tangerine since February 2004. Philip has held multiple senior management positions, focusing on deposits portfolio strategy and performance, product management in secured lending, and product economics in lending. Previous roles include managerial positions in product economics and retail lending, as well as various analytical roles related to reporting and securitization. Prior to joining Tangerine, Philip worked as a Sales and Marketing Analyst at Hilti from July 1998 to July 1999. Philip holds a Bachelor of Commerce degree in Economics and Management Science from Toronto Metropolitan University, earned between 1999 and 2003.