Product Manager Senior, Vice President - Deposits Innovation

The Deposits Innovation team is charting the next wave of consumer banking. We turn customer insight and market signals into high‑impact product opportunities with impact in a complex and dynamic industry. 

As a Product Manager Senior in Deposits Innovation you will drive the exploration and development of next-generation banking frontiers, creating innovative use cases rooted in customer needs and identifying strategic opportunities to position the consumer bank at the forefront of industry innovation. You will synthesize customer insights, market intelligence, and commercial objectives into product opportunities, concepts and capabilities and guide cross‑functional teams through their research, evaluation, and testing. You will ensure that strategy translates into tangible solutions and measurable outcomes in a complex, highly regulated environment. 

The ideal candidate is a thought leader in the innovation space, with strong product instincts, data fluency, and a track record of driving from ambiguity to decision. You should be able to combine forward-thinking creativity with a practical understanding of today’s business constraints and expectations.

Job responsibilities

• Develop deep expertise in the target customer segments and their needs, market landscape, and emerging technologies impacting consumer banking
• Architect and drive the end-to-end exploration of next-generation banking, conducting rigorous opportunity analyses to uncover consumer banking applications and translate findings into prioritized, testable product concepts
• Identify and prioritize innovative use cases rooted in customer needs, leveraging research and insights to build a robust set of prioritized high-impact opportunities with practical bridge to today’s banking world
• Convert strategy into product constructs and requirements in partnership with product managers and designers
• Drive cross‑functional alignment and decisioning through compelling storytelling and executive‑ready materials; communicate progress, risks, and trade‑offs with clarity
• Design and oversee pilots, proofs-of-concept, and experimentation frameworks to validate new ideas, including recommendations for strategic investments and partnerships
• Build business cases and product narratives that connect customer value, economics, and risk considerations; recommend investment, sequencing, and de‑risking plans
• Mentor team members, champion a culture of curiosity and continuous learning

Required qualifications, capabilities, and skills

• 5+ years of experience in product strategy, product management, innovation, or closely related roles in technology‑driven organizations
• Proven ability to turn ambiguous problem spaces into clear hypotheses, requirements, and action plans; fluency in discovery methods, experimentation design, and test analysis.
• Demonstrated success taking concepts from exploration through pilot and into scale decisions
• Strong analytical skills with experience in defining KPIs, building business cases, and interpreting customer, product, and financial data; comfort partnering with analytics and data science teams
• Excellent communication and storytelling skills; adept at influencing senior stakeholders and aligning cross‑functional partners in a matrixed environment; experience steering investment decisions across a portfolio of initiatives
• High bias to action and ownership; demonstrates sound judgment, prioritization discipline, and the ability to navigate complexity and deliver results at pace
• Bachelor’s degree in Business, Economics, Engineering, Computer Science, or a related field

Preferred qualifications, capabilities, and skills

• Strong preference for big tech or fintech experience
• Advanced degree in Business, Economics, Engineering, Computer Science, or a related field a plus