Director, Digital Originations & Onboarding

Responsibilities

• Build, lead, and develop a team of Product Owners, Product Managers, and Analysts across digital originations and onboarding.
• Foster a results-driven culture focused on commercial outcomes such as funded accounts, conversion, activation, and early relationship growth.
• Establish clear roles, decision rights, and operating rhythms to enable accountability and execution.
• Develop product leaders who pair strong product craft with commercial judgment and represent the function as a senior leader in executive forums, cross-functional planning, and external partnerships.
• Own the strategy, roadmap, and commercial performance of digital originations across the full consumer and small business portfolio, including deposits, cards, loans, mortgages, and small business banking.
• Drive accountability for application volume, conversion, funded accounts, and acquisition cost.
• Continuously optimize funnels by reducing friction, minimizing drop-offs, and improving speed and transparency.
• Partner with Risk, Compliance, Credit, and Technology to ensure compliant, scalable solutions, informed by regular benchmarking against banks and fintech competitors.
• Provide strategic oversight of Valley Direct as a core direct-to-consumer acquisition channel.
• Hold the channel accountable for application volume, funded accounts, acquisition cost, and deposit growth.
• Partner with Marketing to ensure competitive positioning, compelling offers, and alignment with enterprise acquisition strategy.
• Own onboarding as a commercial growth lever, focusing on activating clients and accelerating relationship depth.
• Set and manage targets for onboarding completion, early feature adoption, and 90 and 180-day cross-sell.
• Design personalized onboarding journeys by product, segment, and behavior, ensuring a seamless transition from origination through early engagement.
• Partner with Marketing, Analytics, and business leaders to drive early revenue and retention.
• Own end-to-end funnel measurement from prospect to funded, activated, and deepened relationships.
• Establish clear targets, ownership, and review cadence at each stage.
• Deliver dashboards and reporting that provide leadership with real-time visibility into funnel performance, unit economics, and early relationship health, supported by advanced analytics and behavioral insights.

Requirements

• A growth and sales mindset: think about digital origination and onboarding as a revenue function, and build teams that do the same.
• Funnel fluency: deep familiarity with conversion analytics, A/B testing, drop-off analysis, and the discipline of continuous funnel optimization.
• Portfolio-level thinking: able to manage competing roadmap priorities across multiple products and segments, making trade-offs based on commercial impact.
• Strong executive presence: able to set targets, report against them honestly, and build credibility with senior leaders through clarity and accountability.
• Deep understanding of digital originations platforms, API-based decisioning, and agile product delivery at scale.
• Ability to build alignment across Risk, Compliance, Credit, Technology, and line-of-business partners, none of whom report to you.
• A builder's mindset: energized by building organizations and growth engines, not just managing steady-state products.

Qualifications

• High school diploma or GED equivalent and a minimum of 10 years of experience in digital banking, digital sales, or financial services product management, with at least 4 years leading a team with direct reports.
• Demonstrated track record of driving commercial outcomes through digital originations or digital sales channels: funded account growth, conversion improvement, or acquisition cost reduction at meaningful scale.
• Proven experience building and developing product organizations oriented around business results, not just capability delivery.