Head of Product - Consumer & Private Bank

About the Role

The Head of Product, Consumer & Private Banking develops and executes strategic plans for the retail, digital, and private banking product portfolios (e.g., deposits, lending, wealth, and advisory solutions). This role is accountable for identifying market opportunities, evolving customer behaviors and expectations while ensuring alignment with enterprise objectives and regulatory requirements. This leader will set clear product vision while driving disciplined execution, using data and customer insights to inform decision-making and partnering with technology and operations to deliver scalable, user-centric solutions. The role requires a strong balance of strategic thinking, operational rigor, and innovation.

Responsibilities

• Develop and deliver the long-term vision for Consumer and Private Banking product lines and set ambitious roadmaps built on in-depth understanding of customer needs, market trends, and competitive landscape.
• Identify distinct customer segments and tailor product offerings to meet their specific needs and financial goals.
• Own product features, pricing strategies, and product positioning and go-to-market strategies for new consumer products or enhancements to existing ones.
• Assess competitive pricing and define pricing strategy based on deposit and customer portfolio as well as competitive landscape.
• Work closely with marketing, retail, operations, risk management, and technology teams to ensure seamless product launch and ongoing management.
• Leverage data to understand product adoption, measure product performance, understand customer behavior patterns, and inform strategic decision-making.
• Own product-level P&L and assess financial viability of new products; develop business cases with clear ROI and revenue projections.
• Ensure ongoing monitoring of products, pricing, and fees; identify optimization opportunities and partner on adoption enhancements.
• Monitor regulatory changes and ensure product offerings adhere to relevant banking laws and guidelines.
• Build strong, collaborative relationships across design, engineering, and operations at the team and organizational levels.
• Define and deliver overall consumer, retail, and private banking product roadmaps with clear success metrics and adoption targets.

Qualifications

• Education & Experience:
  • Bachelor’s degree in business (Finance, Accounting, Economics, etc.) or relevant field; MBA preferred.
  • 10+ years of experience in financial services product strategy, product management, or customer experience; management consulting experience valued.
  • Proven track record of building scaled, market-leading products.
  • Proven success in managing product teams and demonstrating strong partnership with cross-functional stakeholders.
  • Experience working at fintech companies or leading fintech initiatives within traditional banking organizations.
• Key Skills & Competencies:
  • Strong curiosity and deep knowledge in consumer trends, wealth technology, and emerging banking solutions.
  • Proven ability to set vision, develop long-term roadmaps, and execute product strategy with focus on building user-centric products.
  • Knowledge of advanced market research and competitive intelligence capabilities.
  • Strong financial acumen and understanding of P&L management.
  • Advanced analytical skills with a strong focus on cost-benefit analysis and revenue optimization.
  • Ability to recruit, mentor, and grow product teams and drive collaboration between technology, operations, compliance, and other internal partners.

Benefits

Texas Capital provides a variety of benefits to colleagues, including:

• Health insurance coverage
• Wellness program
• Fertility and family building aids
• Life and disability insurance
• Retirement savings plans with a generous 401K match
• Paid leave programs
• Paid holidays
• Paid time off (PTO)

Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano, and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks.