Numerically exact simulations of quantum reaction dynamics, including nonadiabatic effects in excited electronic states, are essential to gain fundamental insights into ultrafast chemical reactivity and rigorous interpretations of molecular spectroscopy. Here, we introduce the tensor-train split-operator KSL (TT-SOKSL) method for quantum simulations in tensor-train (TT)/matrix product state (MPS) representations. TT-SOKSL propagates the quantum state as a tensor train using the Trotter expansion of the time-evolution operator, as in the tensor-train split-operator Fourier transform (TT-SOFT) method. However, the exponential operators of the Trotter expansion are applied using a rank-adaptive TT-KSL scheme instead of using the scaling and squaring approach as in TT-SOFT. We demonstrate the accuracy and efficiency of TT-SOKSL as applied to simulations of the photoisomerization of the retinal chromophore in rhodopsin, including nonadiabatic dynamics at a conical intersection of potential energy surfaces. The quantum evolution is described in full dimensionality by a time-dependent wavepacket evolving according to a two-state 25-dimensional model Hamiltonian. We find that TT-SOKSL converges faster than TT-SOFT with respect to the maximally allowed memory requirement of the tensor-train representation and better preserves the norm of the time-evolving state. When compared to the corresponding simulations based on the TT-KSL method, TT-SOKSL has the advantage of avoiding the need to construct the matrix product state Laplacian by exploiting the linear scaling of multidimensional tensor-train Fourier transforms.