Product Manager

Credit & Debit Card Product ManagerAt Liberty, we strive to maximize our impact and exceed goals by investing in our teammates to deepen our relationships in the workplace and communities we serve. We take pride in promoting a socially responsible and sustainable future through initiatives and investment.As the Credit & Debit Card Product Manager, you'll own the strategy, performance, and vendor relationships for our consumer and business credit cards (Elan) and debit card programs (Mastercard). You'll drive results through clear reporting, budget planning, and insightful analysis to grow portfolio profitability. This role balances analytical rigor with creative problem-solving-role ideal for a self-starter with a strong ability to leverage data and creativity to drive growth and performance.Essential Functions:Own card product roadmaps; define features, pricing, and enhancements.Manage vendor relationships with Elan (credit cards) and Mastercard (debit), including contracts, SLAs, and performance reviews.Conduct competitor benchmarking and market/consumer research to drive market differentiationPerformance Monitoring & Reporting:Track credit and debit card KPIs—acquisition, usage, activation, retention, spend volume.Produce monthly reports for senior leadership, highlighting trends, opportunities, risks, and recommendations.Translate insights into actionable strategies to optimize portfolio performance and profitability.Budget & Financial Planning:Prepare annual budgets and forecasts for each card product line.Monitor and report on budget versus actuals; recommend adjustments based on performance.Work closely with finance (and business line partners?) to ensure financial goals are met.Cross-Functional Collaboration:Partner with marketing, risk, compliance, fraud, and IT to execute product initiatives and campaigns.Lead A/B testing, pilot programs, and new feature rollouts; measure defined outcomes.Support customer service teams with training materials and resolution guidance as needed.Innovation & Market Expansion:Identify new product features, rewards, or enhancements through data-driven ideation.Stay ahead of industry trends, regulations, and emerging technologies.Advocate for customer-centric solutions and drive continuous improvementMinimum knowledge/skills:Bachelor's degree in Business, Finance, Economics, Marketing, or related field (Master's preferred)5+ years in credit card or debit product management, financial analysis, or strategy roles—preferably within a banking environment.Advanced Excel skills; experience with BI tools (e.g., Tableau, Power BI).Expertise in card program KPIs, P&L analysis, and budget forecasting.Familiarity with card program lifecycle, pricing models, interchange, and rewards.Deep understanding of card networks—Elan, Mastercard systems, merchant acquiring, and risk management.Strong grasp of regulatory and compliance requirements in consumer/business card issuance.Excellent interpersonal and cross-functional communication abilities.Experience presenting to senior leadership and influencing stakeholders.Comfortable working with external vendors and negotiating service terms.A blend of analytical rigor and creative thinking.Highly organized with strong project management skills.Self-motivated, results-oriented, and detail-focused, with agility in fast-paced environmentsPhysical Requirements:General Office EquipmentKeyboard DexterityProlonged SittingCompliance:Acts affirmatively in all activities under his/her control in conformance with the Bank's Affirmative Action, Equal Employment Opportunity, and Fair Lending Programs to achieve the Bank's goals and objectives. The Bank shall provide equal employment opportunity to all qualified persons, and continue to recruit, hire, train and evaluate persons in all jobs without regard to race, color, religion, sex, national origin, or veteran status.Liberty Bank is an Equal Opportunity employer. It is the policy of Liberty Bank to provide equal employment opportunities to all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran or disabled status, or genetic information.