Digital Product Manager - Banking Cross Sell (Unsecured Lending)

We are seeking a Digital Product Manager – Banking Cross-Sell who is passionate about improving customers’ financial lives and delivering meaningful impact through digital banking. 

In this role, you will join a newly established Banking Cross-Sell team, a strategic initiative that brings together unsecured lending products—including Line of Credit, Overdraft, and credit limit increases—under a unified approach. This portfolio plays a critical role in driving net customer growth, strengthening primary banking relationships, and maximizing lifetime value across our existing client base.  

Develops and delivers the full product development lifecycle from setting strategic objective to bringing a product to market that delivers business value. Researches, investigates, selects and develops products and services bridging business requirements with technology capabilities. Drives end-to-end product lifecycle including the 'why', 'when' and 'what' of the product, persona development, proof of concepts, backlog management and product activation through to product retirement. Provides the voice of the business to cross-functional product teams to clarify feature, story and content requirements; create story acceptance criteria; prioritizes the product backlog; and translates the product vision into a roadmap and actionable tasks.  

• Identifies the overall goal of a product(s), drives engagement of stakeholders and leads the adoption of product.  

• Drives the overall customer experience definition and prioritization that enables a focus on what matters most to our customers.  

• Ensures product management and development teams are producing in parallel, and are working together effectively and efficiently.  

• Builds and sustains high performing cross-functional teams; Monitors and tracks performance, and addresses any issues.  

• Addresses blockers related to adoption and correct usage of the product- including communications, documentation and training.  

• Establishes the go-to-market, pricing and positioning strategies.  

• Plans & manages the budget, timeline, and tactical components, throughout the product lifecycle.  

• Identifies and analyzes market trends to update and improve product usability  

• Ensures that a new product in development, or a new feature of an existing product is proven to be desirable, viable and functional.  

• Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.  

• Provides specialized consulting, analytical and technical support.  

• Exercises judgment to identify, diagnose, and solve problems within given rules.  

• Works independently and regularly handles non-routine situations.  

• Broader work or accountabilities may be assigned as needed.  

• Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.  

Qualifications:  

Foundational level of proficiency:  

• Marketing Analysis.  

• Creative thinking.  

Intermediate level of proficiency:  

• Process Improvement and optimization.  

• Business Strategy.  

• Research and information synthesis.  

• Business Operations.  

• Financial & Risk Management.  

• Product Management.  

• Learning Agility.  

• Customer centricity.  

• Verbal & written communication skills.  

• Collaboration & team skills.  

• Analytical and problem solving skills.  

• Influence skills.  

• Data driven decision making.  

Advanced level of proficiency:  

• Product Development.  

• Product Value Proposition and Go-to-Market Assets Definition, Design and Development.  

• Technology Business Requirements. Definition, Analysis and Mapping.  

• Product Lifecycle Management (Using Agile Methodologies).  

• Typically between 5 - 7 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience  

• Deep knowledge and technical proficiency gained through extensive education and business experience.