Product Manager - Consumer

The Product Manager serves as the primary owner and advocate for their products, applying a strong understanding of customer needs, market dynamics, and regulatory considerations to inform decisions and priorities. This role will work with cross-functional partners across Operations, Digital Platform, Technology, Marketing, Finance, Risk, and Compliance to deliver product enhancements, optimize performance, and achieve measurable business and customer outcomes. While operating within broader portfolio direction established by the Product leadership, the Product Manager is expected to independently drive results and exercise sound judgment across a focused set of products.

Essential Duties and Responsibilities:

• Product Strategy & Roadmap
  
  
  
  • Own the product roadmap for assigned consumer products, translating established product vision, strategy, and portfolio priorities into actionable plans and initiatives. Develop and maintain roadmaps that reflect customer needs, business objectives, performance insights, and regulatory requirements. Conduct market research, customer analysis, and competitive benchmarking. Propose product enhancements and investment tradeoffs.
  
  
  
  
• Financial Ownership
  
  
  
  • Own product-level P&L, including pricing execution and profitability outcomes. Monitor financial performance, develop analyses and business cases, and propose pricing adjustments.
  
  
  
  
• Product Performance & Optimization
  
  
  
  • Monitor and analyze product performance, identify trends and opportunities, and lead execution of optimization initiatives.
  
  
  
  
• Compliance & Risk Management
  
  
  
  • Ensure products comply with regulatory requirements and internal policies. Support audits, identify risks, and implement mitigation strategies.
  
  
  
  
• Cross-Functional Collaboration
  
  
  
  • Lead execution across Operations, Digital Platform, Technology, Marketing, Finance, Risk, Compliance, and Customer Service.
  
  
  
  
• Key Metrics:
  
  
  
  • Product adoption and retention rates
  • Revenue growth and margin improvement
  • Market share
  • Cost-to-serve and operational efficiency
  • Compliance adherence
  • Customer satisfaction and NPS
  
  
  
  
• Additional Duties:
  
  
  
  • Acquisition: Execute acquisition initiatives and analyze performance.
  • Engagement: Monitor usage and drive feature adoption.
  • Retention: Analyze attrition and support retention initiatives.
  • Profitability: Monitor pricing effectiveness and propose improvements.
  • Reporting: Maintain reporting and communicate performance.
  
  
  
  

Required Qualifications:

• Bachelor's degree in business or related field.
• 2-4 years of experience in product management or related roles.
• Experience managing products end-to-end.
• Strong analytical skills.
• Ability to work across teams and influence without authority.

Preferred Qualifications:

• Experience in consumer banking or related products.
• Understanding of product lifecycle management in regulated environments.
• Experience with digital or technology teams.
• MBA or advanced degree.
• Familiarity with Agile or Lean methodologies.