Senior Product Manager-CCUL

Job Description

This Senior Product Manager will be responsible for defining and executing product strategy to drive growth, profitability, and customer satisfaction across the small business card portfolio. This role leads the full product lifecycle from identifying customer needs and developing new features to managing servicing experiences and regulatory requirements. The position partners closely with other functional business areas to deliver solutions that strengthen the bank's competitive position while achieving business objectives.

Depth & Scope

• Recognized as a strategic thinker with significant in-depth and/or breadth of expertise in a complex field and knowledge of broader related areas
• Accountable for major functional areas with mass or niche products/segment suite and high levels of complexity and attributes
• Generally accountable for a significant product management area that typically has enterprise wide impact or accountability
• Enterprise or functional expert, requiring broad managerial and deep specialized knowledge at the enterprise, business, regulatory and industry levels
• Senior specialist providing advisory services to executives, business segment leaders and governs the requirements for own work
• Led on product programs and projects on behalf of the business
• Solves unique and ambiguous problems with broad impact; typically oversees standards, controls and operating methods that have significant financial and operational impact within the context of their own field
• Develops and maintains a robust understanding of the regulatory requirements, customer, market, and industry to deliver product and process innovation to improve the value proposition
• Develops and implements products/policies and procedures in such a way that it enhances the end to end customer experience (including training, enhancement and irritant reduction) while achieving business objectives
• Oversees and ensures the clear and effective delivery of products and services to the customer
• Acts as Subject Matter Expert for product-related inquiries
• Led business plans leveraging Acquisition and Segments teams to increase new account growth and track P&L impact
• Liaises with partners (i.e. Marketing, Phone Channel, Retail) to understand industry and customer trends; analyzes challenges and identifies areas of opportunity through customer research, focus groups, and external secondary research; facilitates ideation sessions and builds necessary business cases for NPD, identifying solutions and building stronger plans for growth
• Builds and maintains effective relationships with sales distribution, key internal stakeholders and/or external partners to ensure that customer needs are considered in strategic decisions and in the development of options, solutions and alternatives
• Leads and facilitates problem solving sessions with partners and vendors
• Designs end to end process for development, implementation, use, reporting and feedback on developed products and segments
• Directs and coordinates market research to determine underlying customer needs – input to development process
• Conducts ongoing industry and competitive analysis to obtain market insights and ensure Acquisition Teams are kept informed of matters to be competitive and win in the marketplace
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Refines product management strategies through detailed analysis of the P&L, ongoing competitive research and review of marketing/risk management tactics
• Ensures effective product policies and processes are established to support business processes align with risk appetite
• Oversees product management deliverables within budget and as per the approved product plan, working with business partners to develop the content of those deliverables
• Champions the development of the annual business plan and the monthly/quarterly forecast process
• Participates and supports partner led projects as identified
• Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards
• Identifies and manages risks (market, credit, operational) associated with the product/segment
• Manages relationships with distribution channel owners
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Champions the development of the annual business plan and the monthly/quarterly forecast process
• Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards
• Identifies and manages risks (market, credit, operational) associated with the product/segment
• Manages relationships with distribution channel owners
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Champions the development of the annual business plan and the monthly/quarterly forecast process
• Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards
• Identifies and manages risks (market, credit, operational) associated with the product/segment
• Manages relationships with distribution channel owners
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Champions the development of the annual business plan and the monthly/quarterly forecast process
• Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards
• Identifies and manages risks (market, credit, operational) associated with the product/segment
• Manages relationships with distribution channel owners
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Champions the development of the annual business plan and the monthly/quarterly forecast process
• Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards
• Identifies and manages risks (market, credit, operational) associated with the product/segment
• Manages relationships with distribution channel owners
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Champions the development of the annual business plan and the monthly/quarterly forecast process
• Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards
• Identifies and manages risks (market, credit, operational) associated with the product/segment
• Manages relationships with distribution channel owners
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Champions the development of the annual business plan and the monthly/quarterly forecast process
• Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards
• Identifies and manages risks (market, credit, operational) associated with the product/segment
• Manages relationships with distribution channel owners
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Champions the development of the annual business plan and the monthly/quarterly forecast process
• Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards
• Identifies and manages risks (market, credit, operational) associated with the product/segment
• Manages relationships with distribution channel owners
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Champions the development of the annual business plan and the monthly/quarterly forecast process
• Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards
• Identifies and manages risks (market, credit, operational) associated with the product/segment
• Manages relationships with distribution channel owners
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Champions the development of the annual business plan and the monthly/quarterly forecast process
• Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards
• Identifies and manages risks (market, credit, operational) associated with the product/segment
• Manages relationships with distribution channel owners
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Champions the development of the annual business plan and the monthly/quarterly forecast process
• Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards
• Identifies and manages risks (market, credit, operational) associated with the product/segment
• Manages relationships with distribution channel owners
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Champions the development of the annual business plan and the monthly/quarterly forecast process
• Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards
• Identifies and manages risks (market, credit, operational) associated with the product/segment
• Manages relationships with distribution channel owners
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Champions the development of the annual business plan and the monthly/quarterly forecast process
• Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards
• Identifies and manages risks (market, credit, operational) associated with the product/segment
• Manages relationships with distribution channel owners
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Champions the development of the annual business plan and the monthly/quarterly forecast process
• Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards
• Identifies and manages risks (market, credit, operational) associated with the product/segment
• Manages relationships with distribution channel owners
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Champions the development of the annual business plan and the monthly/quarterly forecast process
• Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards
• Identifies and manages risks (market, credit, operational) associated with the product/segment
• Manages relationships with distribution channel owners
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Champions the development