Senior Product Manager Consumer Checkout, POS Lending

At U.S. Bank were on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions enabling the communities we support to grow and succeed in the right ways all more confidently and more oftenthats what we call the courage to thrive. We believe it takes all of us to bring our shared ambition to life and each person is unique in their potential. A career with U.S. Bank gives you a wide ever-growing range of opportunities to discover what makes you thrive. Try new things learn new skills and discover what you excel atall from Day One.

As a wholly owned subsidiary of U.S. Bank Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goalsno matter what they need. From transaction processing to customer service to driving innovation and launching new products were building a range of tailored payment solutions powered by the latest technology. As part of our team you can explore what motivates and energizes your career goals: partnering with our customers our communities and each other.

Job Description

Product Managers at U.S. Bank are customer obsessed in driving product vision strategy planning and development to deliver on our human digital product strategy while staying ahead of evolving customer business technology and market needs.

This Senior Product Manager will lead the Consumer Checkout experience for Avvance U.S. Banks point-of-sale lending solution. The role is responsible for creating simple intuitive and transparent consumer financing experiences across the checkout journey including application loan option presentation and selection acceptance and consumer communications.

The Product Manager will own experiences delivered directly by U.S. Bank while also helping define the capabilities and APIs that enable partners to embed Avvance financing into their own checkout experiences.

As the Senior Product Manager for Avvance Consumer Checkout you will:

• Own the product vision strategy roadmap and outcomes for the Avvance Consumer Checkout experience balancing consumer needs business objectives partner needs regulatory requirements and technology considerations.
• Develop a deep understanding of the point-of-sale lending journey including application decisioning touchpoints loan option presentation and selection disclosures acceptance and consumer communications.
• Define product outcomes and OKRs and translate strategy into prioritized features epics and actionable delivery plans.
• Lead the product direction of a cross-functional agile/scrum team owning backlog prioritization and partnering closely with Design and Technology throughout discovery development launch and ongoing optimization.
• Champion the consumer experience by using customer research behavioral analytics funnel performance experimentation and other insights to identify friction and continuously improve conversion and customer outcomes.
• Think across both U.S. Bank-owned and partner-embedded experiences defining scalable capabilities and API requirements that allow partners to effectively integrate Avvance into their checkout journeys.
• Maintain sufficient technical fluency to understand APIs services data flows system dependencies technical trade-offs and how front-end experiences connect to underlying platforms.
• Collaborate across Experience Design Technology Legal Compliance Risk Marketing Analytics Operations and other Product teams within Avvance and across U.S. Bank to deliver connected customer experiences.
• Proactively identify and manage dependencies risks and trade-offs driving decisions and alignment across stakeholders.
• Define and monitor product performance metrics analyze customer and business data and translate insights into product priorities recommendations and measurable improvements.
• Clearly communicate product strategy priorities decisions progress and outcomes to stakeholders and senior leaders.
  

Basic Qualifications

• Five or more years of Product Management experience or equivalent experience leading complex digital products and customer experiences.
• Experience owning product strategy roadmap prioritization and delivery for customer-facing digital products.
• Experience leading an agile product delivery team and managing a product backlog from discovery through implementation and optimization.
• Strong analytical and problem-solving skills with demonstrated ability to use data and customer insights to make product decisions.
  

Preferred Skills/Experience

• Experience with digital checkout consumer lending payments financial services e-commerce embedded finance or similar transaction-oriented customer experiences.
• Experience with consumer journeys involving application eligibility or decisioning presentation of financing options disclosures acceptance and communications.
• Experience defining or managing API-based products partner integrations embedded experiences or platform capabilities.
• Strong technical fluency with APIs application architecture system dependencies data flows and integration patterns.
• Experience using customer research behavioral analytics funnel analysis experimentation and performance measurement to improve digital experiences.
• Experience collaborating across Technology Experience Design Legal Compliance Risk Marketing Analytics Operations and Product teams in a complex or regulated environment.
• Strong ability to navigate ambiguity make informed trade-offs influence stakeholders and communicate effectively with technical teams business partners and senior leaders.

If theres anything we can do to accommodate a disability during any portion of the application or hiring process please refer to our disability accommodations for applicants .

Benefits:

Our approach to benefits and total rewards considers our team members whole selves and what may be needed to thrive in and outside work. Thats why our benefits are designed to help you and your family boost your health protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical dental vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here .

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race religion color sex national origin age sexual orientation gender identity disability or veteran status and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location which is listed first. The actual range for the role may differ based on the location of the addition to salary U.S. Bank offers a comprehensive benefits package including incentive and recognition programs equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $126820.00 - $149200.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition certain positions may also be subject to the requirements of FINRA NMLS registration Reg Z Reg G OFAC the NFA the FCPA the Bank Secrecy Act the SAFE Act and/or federal guidelines applicable to an agreement such as those related to ethics safety or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.

Required Experience:

Senior IC