Sr Product Mgr - Consumer Lending
for sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We must include only sections that have real specific content. We must not repeat job title. Must not include Job ID etc. Remove boilerplate like EEO, scam warning, application instructions, etc. Also remove lines like "It is unlawful in Massachusetts..." etc. Also remove internal employees note? That's maybe not boilerplate but maybe considered metadata? It's about workplace policy; maybe keep? It's about shift? Actually shift and hours are given: Shift: 1st shift (United States of America) Hours Per Week: 40. That is schedule info. So we can include a Schedule section with that.
Pay: Not mentioned. Benefits: Not mentioned specifically (they talk about benefits in intro but not specific). The intro includes generic benefits statement but not specific benefits. According to rule: never create Benefits section unless posting actually states them. The posting mentions "affordable, competitive and flexible benefits" but not specific. That's vague; maybe we should not create Benefits section because it's not specific. The rule: "never create Pay/Schedule/Benefits sections unless the posting actually states them." It says "affordable, competitive and flexible benefits" is a statement about benefits, but not specific. Might be considered stating benefits generically. However they also say "Prefer a few substantive sections over many thin ones." Might be okay to include Benefits with that statement? But they said "never emit a heading followed by filler/placeholder text (e.g. 'commensurate with experience', 'not specified', 'N/A', 'varies', 'TBD')". The phrase "affordable, competitive and flexible benefits" is not filler; it's a description. So we could include Benefits section with that sentence.
Pay: No mention, so omit.
Schedule: we have shift and hours. So include Schedule section.
About the role: The initial paragraph about Bank of America purpose etc. That's about the role? It's generic company description. Could be considered About the role. We'll include that.
Responsibilities: we have a list under "Responsibilities:" and also "LOB Specific Responsibilities:" which are more detailed. We'll combine into one Responsibilities section with - items.
Requirements: There's "Required Qualifications:" and "Desired Qualifications:" maybe treat as Requirements? The rule: Use headings Requirements, Qualifications, Skills. We need to decide what goes where. Typically Requirements = required qualifications. Qualifications = desired? Or maybe Requirements = required qualifications, Qualifications = desired qualifications. Skills separate.
We'll put Required Qualifications under
Requirements
as a list.
Desired Qualifications under Qualifications
as a list.
Skills under Skills
as list.
We must preserve all substantive information, not invent or summarize away detail. So we need to include each bullet exactly as given, but we can format as - . Ensure we don't lose any.
Let's extract sections.
First, About the role: The initial paragraph up to "Join us!" maybe includes multiple sentences. We'll capture that as prose
. It includes: "At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!"
That's substantive.
Now Responsibilities: There's a block after "Responsibilities:" then bullet list (starting with "Identifies and creates comprehensive plans...") then after that there is "LOB Specific Responsibilities:" with another list. We'll combine.
Let's extract each bullet:
From first list:
- Identifies and creates comprehensive plans for product development and deployment, including supporting the creation of sales training programs and marketing materials to educate clients and internal teams on product capabilities
- Oversees a set of products and maintains financials, including managing the investment profile and profit and loss (P&L) activities, such as revenue and profit margins
- Provides information on product trends to sales and marketing teams leveraging knowledge of product functionality, marketplace trends, and the competitive landscape
- Identifies opportunities to streamline or enhance product offerings to fit client's existing and future needs and support continued growth and operational excellence
- Manages risk through implementing and monitoring effective controls in partnership with key support partners
- Partners with internal stakeholders to obtain meaningful insights about markets, clients, and competitors in order to develop products that solve client needs and ensure high adoption rates
- Develops and influences product strategy, driving products to provide comprehensive solutions across the bank LOB
Then LOB Specific Responsibilities bullets:
- Develops and owns the Home Equity product strategy and roadmap, aligning initiatives to business priorities, client needs, risk appetite, channel strategies, and growth objectives
- Leads product development and deployment planning for complex Home Equity initiatives, including business cases, requirements, go-to-market plans, operational readiness, and success measures
- Monitors portfolio performance, economics, pricing, margins, and product profitability to identify opportunities that improve growth, competitiveness, and financial outcomes
- Conducts market research, competitive analysis, and client behavior analysis to identify emerging trends, product gaps, and opportunities to modernize the Home Equity experience
- Partners with Sales, Marketing, Digital, Fulfillment, Servicing, Finance, Risk, Legal, Compliance, and Technology to deliver integrated product strategies across channels and client segments
- Owns client experience insights for the product, including satisfaction drivers, complaint themes, escalation trends, friction points, and opportunities to simplify or improve the customer journey
- Drives execution of strategic initiatives by influencing stakeholders, resolving issues, managing dependencies, and ensuring clear communication across leadership and partner teams
- Provides product expertise and strategic guidance to sales, marketing, and operational partners, including support for training, communications, and internal education materials
- Manages product risk through effective controls, issue identification, remediation planning, and ongoing partnership with risk and compliance stakeholders
- Builds executive-ready updates, recommendations, and decision materials that communicate product performance, strategic choices, business trade-offs, and implementation progress
- Identifies opportunities to streamline processes, improve operational excellence, and strengthen the appeal and accessibility of Home Equity solutions
We'll include all.
Now Requirements (Required Qualifications): list:
- Demonstrated strategic planning/product management skills
- Strong analytical skills with breadth of view
- Negotiation skills
- 7+ years of relevant experience
- 5+ years of product management, product strategy, or related experience within consumer lending, financial services, or a comparable regulated environment
- Experience developing product strategies, business cases, roadmaps, and cross-functional implementation plans
- Strong understanding of consumer lending products such as Home Equity, Mortgage, Credit Card, Auto, or related secured or unsecured lending solutions
- Demonstrated ability to analyze market trends, competitive dynamics, portfolio performance, and client insights to inform product decisions
- Proven ability to lead complex initiatives across multiple partners, channels, and audiences while managing priorities, dependencies, and deadlines
- Strong risk management mindset with attention to controls, issue identification, regulatory considerations, and timely mitigation
- Excellent executive communication skills, including the ability to develop clear PowerPoint materials, present recommendations, and influence decisions at multiple organizational levels
- Ability to collaborate effectively, build trusted partner relationships, and gain commitment across matrixed teams
- Strong analytical, problem-solving, and process management skills
- Strategic direct-to-consumer marketing knowledge and ability to connect product strategy to client acquisition, engagement, and retention opportunities
- Adaptable self-starter with strong judgment, ownership, and ability to operate effectively in a changing business environment
Now Qualifications (Desired Qualifications):
- Product management experience across consumer lending (e.g. Credit Card, HELOC, Mortgage, Auto)
- Experience with product pricing, portfolio economics, profitability analysis, or P&L management
- Experience improving digital, sales, fulfillment, servicing, or end-to-end client journeys
- Experience with product prequalification, eligibility, credit policy, or underwriting strategy
- Experience preparing executive-level materials, strategic recommendations, or governance updates
Now Skills: list:
- Collaboration
- Executive Presence
- Oral Communications
- Presentation Skills
- Problem Solving
- Attention to Detail
- Continuous Improvement
- Influence
- Product Management
- Strategic Thinking
- Business Analytics
- Innovative Thinking
- Market Analysis
- Process Management
- Reporting
- Product Strategy
- Consumer Lending
- Client Experience
- P&L and Portfolio Management
- Stakeholder Management
- Risk Management
Now Schedule: we have "Shift: 1st shift (United States of America) Hours Per Week: 40". We'll put as a
maybe.
Now Benefits: we have generic statement: "affordable, competitive and flexible benefits". We'll include as a
under Benefits.
We must not include boilerplate like "It is unlawful in Massachusetts..." etc. Also remove internal employees note? That's maybe not boilerplate but it's about eligibility. Might be considered metadata but it's substantive about eligibility. However it's about internal employees working from home still eligible to apply, but if selected may be required to work onsite per policy. That's somewhat about workplace expectations. Could be included in Schedule or About the role? Might be considered part of Schedule? But we already have schedule. Might be better to include a short note under About the role or as a separate paragraph? The rule: "Do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short
or drop it." This is minor metadata about work location eligibility. Could fold into a short
maybe under About the role or as its own paragraph. But we already have About the role long paragraph; we could append a sentence. However we must preserve ALL substantive information. So we need to include that note somewhere. Let's add a
after About the role maybe: "Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy."
We'll keep that as a separate
maybe under About the role or as its own paragraph. Since we already have About the role as a
, we could add another
after it. That's fine.
Now ensure we don't repeat job title. Not included.
Now output only HTML fragment.
Structure:
About the role
... long paragraph ...
Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy.
Responsibilities
- ... each bullet ...
...
Requirements
... required qualifications ...
Qualifications
... desired qualifications ...
Skills
... skills ...
Benefits
affordable, competitive and flexible benefits
Requirements
as a list. Desired Qualifications underQualifications
as a list. Skills underSkills
as list. We must preserve all substantive information, not invent or summarize away detail. So we need to include each bullet exactly as given, but we can format as. It includes: "At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!" That's substantive. Now Responsibilities: There's a block after "Responsibilities:" then bullet list (starting with "Identifies and creates comprehensive plans...") then after that there is "LOB Specific Responsibilities:" with another list. We'll combine. Let's extract each bullet: From first list: - Identifies and creates comprehensive plans for product development and deployment, including supporting the creation of sales training programs and marketing materials to educate clients and internal teams on product capabilities - Oversees a set of products and maintains financials, including managing the investment profile and profit and loss (P&L) activities, such as revenue and profit margins - Provides information on product trends to sales and marketing teams leveraging knowledge of product functionality, marketplace trends, and the competitive landscape - Identifies opportunities to streamline or enhance product offerings to fit client's existing and future needs and support continued growth and operational excellence - Manages risk through implementing and monitoring effective controls in partnership with key support partners - Partners with internal stakeholders to obtain meaningful insights about markets, clients, and competitors in order to develop products that solve client needs and ensure high adoption rates - Develops and influences product strategy, driving products to provide comprehensive solutions across the bank LOB Then LOB Specific Responsibilities bullets: - Develops and owns the Home Equity product strategy and roadmap, aligning initiatives to business priorities, client needs, risk appetite, channel strategies, and growth objectives - Leads product development and deployment planning for complex Home Equity initiatives, including business cases, requirements, go-to-market plans, operational readiness, and success measures - Monitors portfolio performance, economics, pricing, margins, and product profitability to identify opportunities that improve growth, competitiveness, and financial outcomes - Conducts market research, competitive analysis, and client behavior analysis to identify emerging trends, product gaps, and opportunities to modernize the Home Equity experience - Partners with Sales, Marketing, Digital, Fulfillment, Servicing, Finance, Risk, Legal, Compliance, and Technology to deliver integrated product strategies across channels and client segments - Owns client experience insights for the product, including satisfaction drivers, complaint themes, escalation trends, friction points, and opportunities to simplify or improve the customer journey - Drives execution of strategic initiatives by influencing stakeholders, resolving issues, managing dependencies, and ensuring clear communication across leadership and partner teams - Provides product expertise and strategic guidance to sales, marketing, and operational partners, including support for training, communications, and internal education materials - Manages product risk through effective controls, issue identification, remediation planning, and ongoing partnership with risk and compliance stakeholders - Builds executive-ready updates, recommendations, and decision materials that communicate product performance, strategic choices, business trade-offs, and implementation progress - Identifies opportunities to streamline processes, improve operational excellence, and strengthen the appeal and accessibility of Home Equity solutions We'll include all. Now Requirements (Required Qualifications): list: - Demonstrated strategic planning/product management skills - Strong analytical skills with breadth of view - Negotiation skills - 7+ years of relevant experience - 5+ years of product management, product strategy, or related experience within consumer lending, financial services, or a comparable regulated environment - Experience developing product strategies, business cases, roadmaps, and cross-functional implementation plans - Strong understanding of consumer lending products such as Home Equity, Mortgage, Credit Card, Auto, or related secured or unsecured lending solutions - Demonstrated ability to analyze market trends, competitive dynamics, portfolio performance, and client insights to inform product decisions - Proven ability to lead complex initiatives across multiple partners, channels, and audiences while managing priorities, dependencies, and deadlines - Strong risk management mindset with attention to controls, issue identification, regulatory considerations, and timely mitigation - Excellent executive communication skills, including the ability to develop clear PowerPoint materials, present recommendations, and influence decisions at multiple organizational levels - Ability to collaborate effectively, build trusted partner relationships, and gain commitment across matrixed teams - Strong analytical, problem-solving, and process management skills - Strategic direct-to-consumer marketing knowledge and ability to connect product strategy to client acquisition, engagement, and retention opportunities - Adaptable self-starter with strong judgment, ownership, and ability to operate effectively in a changing business environment Now Qualifications (Desired Qualifications): - Product management experience across consumer lending (e.g. Credit Card, HELOC, Mortgage, Auto) - Experience with product pricing, portfolio economics, profitability analysis, or P&L management - Experience improving digital, sales, fulfillment, servicing, or end-to-end client journeys - Experience with product prequalification, eligibility, credit policy, or underwriting strategy - Experience preparing executive-level materials, strategic recommendations, or governance updates Now Skills: list: - Collaboration - Executive Presence - Oral Communications - Presentation Skills - Problem Solving - Attention to Detail - Continuous Improvement - Influence - Product Management - Strategic Thinking - Business Analytics - Innovative Thinking - Market Analysis - Process Management - Reporting - Product Strategy - Consumer Lending - Client Experience - P&L and Portfolio Management - Stakeholder Management - Risk Management Now Schedule: we have "Shift: 1st shift (United States of America) Hours Per Week: 40". We'll put as a
maybe. Now Benefits: we have generic statement: "affordable, competitive and flexible benefits". We'll include as a
under Benefits. We must not include boilerplate like "It is unlawful in Massachusetts..." etc. Also remove internal employees note? That's maybe not boilerplate but it's about eligibility. Might be considered metadata but it's substantive about eligibility. However it's about internal employees working from home still eligible to apply, but if selected may be required to work onsite per policy. That's somewhat about workplace expectations. Could be included in Schedule or About the role? Might be considered part of Schedule? But we already have schedule. Might be better to include a short note under About the role or as a separate paragraph? The rule: "Do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short
or drop it." This is minor metadata about work location eligibility. Could fold into a short
maybe under About the role or as its own paragraph. But we already have About the role long paragraph; we could append a sentence. However we must preserve ALL substantive information. So we need to include that note somewhere. Let's add a
after About the role maybe: "Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy." We'll keep that as a separate
maybe under About the role or as its own paragraph. Since we already have About the role as a
, we could add another
after it. That's fine. Now ensure we don't repeat job title. Not included. Now output only HTML fragment. Structure:
About the role
... long paragraph ...
Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy.
Responsibilities
- ... each bullet ... ...
Requirements
- ... required qualifications ...
Qualifications
- ... desired qualifications ...
Skills
- ... skills ...
Benefits
affordable, competitive and flexible benefits