Product Manager

Key Responsibilities

• Own the product lifecycle for Credit Cards, Consumer Lending, Home Loans, and Commercial Loans from concept through retirement.
• Develop and execute strategies to drive portfolio growth, product usage, and member/business value.
• Conduct competitive market research on rates, fees, terms, promotions, and lending trends across all three lending areas.
• Identify opportunities to expand or refine products based on consumer, homeowner, and business needs.

Portfolio & Performance Management

• Monitor performance metrics for Credit Cards, Consumer Lending, Home Loans, and Commercial Loans, including volume, yield, profitability, delinquency, and charge offs.
• Recommend pricing, terms, and promotional strategies that improve product and portfolio performance.
• Partner with Finance to model projected impacts on pricing adjustments or new product introductions.
• Analyze trends across auto, personal loans, credit cards, mortgages, home equity, small business loans, and commercial real estate.

Cross Functional Leadership

• Collaborate with Marketing on campaigns and communication strategies tailored to consumer, homeowner, and business audiences.
• Work with Lending Operations, Mortgage Operations, and Commercial Lending teams to enhance processes and member/business experience.
• Partner with Risk and Compliance to ensure all lending products align with regulatory requirements and credit policy.
• Cook with Data & Analytics to build reporting and dashboards for each lending category.

Product Governance & Execution

• Maintain accurate product documentation, disclosures, policies, and marketing assets for all three lending groups.
• Present regular performance updates and strategic recommendations to leadership.
• Support digital and branch channels with product training, rollout coordination, and performance insights.
• Ensure product delivery is consistent across channels and aligned with the credit union’s service standards.

Qualifications

• Bachelor’s degree in business, Finance, Economics, Marketing, or related field.
• 3–5+ years of experience in product management, lending operations, portfolio management, or financial services.
• Strong analytic skills; ability to interpret financial, performance, and risk data for all lending segments.
• Experience developing pricing or competitive strategies.
• Ability to lead cross-functional work without direct authority.
• Excellent written and verbal communication skills.