Product Management - Sr Product Manager - Business Deposits and Treasury Management

Sr Product Manager - Business Deposits and Treasury Management Status: Exempt

Reports to: SVP - Business Services Executive Department: Product Management Pay Range: $135,300.00 - $165,000.00 Annually Location: Hybrid

WHO WE ARE: Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of "people helping people." We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE: You are a seasoned product leader with deep expertise in commercial deposits, treasury management, and payment solutions. You are passionate about delivering meaningful financial solutions that empower business members, strengthen relationships, and support thriving communities. You leverage market insights, data, and industry trends to define strategy, prioritize initiatives, and execute complex product roadmaps that drive deposit growth, fee income, and long-term financial performance. You are a strong communicator and collaborator who builds trusted partnerships across cross-functional teams, senior leaders, and external partners to deliver scalable, high-impact solutions. You bring a disciplined, data-driven approach to decision-making—balancing growth, member experience, risk management, and operational efficiency to ensure sustainable success.

WHAT YOU'LL DO:

• Product Strategy and Roadmap: Contribute to the development, refinement, and execution of the product strategy and associated roadmap across business deposits, treasury management, and payments to meet the needs of business members and the financial objectives of the credit union. Incorporate market research, business member insights, and industry trends to identify new opportunities for growth and differentiation.
• Product Development and Management: Lead end-to-end product development and the full product lifecycle—from concept through launch and ongoing enhancement—for business deposit and treasury services, including but not limited to positive pay, remote deposit capture, account analysis, sweeps, liquidity structures, fraud-mitigation tools, and related digital treasury channels. Collaborate closely with internal stakeholders, including IT, member experience, finance, risk management, marketing, and operations, to ensure successful product delivery and integration onto the DNA Core Banking system.
• Member Insights and Market Analysis: Conduct market research and analysis to evaluate business member needs, the competitive landscape, the macro-economic environment, and emerging trends in business banking and treasury services. Translate insights into actionable product requirements, feature and functionality enhancements, pricing structures, and decisioning strategy optimization.
• Pricing, Profitability, and Performance: Apply financial and analytical skills in pricing, profitability, fee income, deposit growth, utilization trends, competitor analysis, and performance measurement to ensure products are both marketable and financially sound. Establish key performance indicators (KPIs) and continuously monitor and analyze product performance, member feedback, and market trends to identify areas for improvement and drive product enhancements.
• Sales Enablement and Relationship Support: Partner with business sales and relationship management teams to position the treasury product set effectively, supporting deposit and fee growth through sales enablement, training, and consultative solution design. Help relationship teams understand business client operating needs and translate those needs into practical, scalable solutions, supporting the retention of primary operating relationships.
• Cross-Functional Collaboration: Work closely with cross-functional teams to gather requirements, define product specifications, and prioritize feature and functionality development. Foster strong relationships with internal stakeholders and external partners, including vendors and service providers, to ensure successful execution of product initiatives.
• Implementation and Service Delivery: Maintain working knowledge of operational processes, implementation requirements, and service delivery models so that products can be executed consistently and scaled effectively across onboarding, servicing, and support teams. Oversee software integrations, and associated projects, including documenting business requirements, conducting program research and development, and assisting in enhancing risk assessments and implementation processes.
• Regulatory Compliance and Risk Management: Stay abreast of relevant industry regulations and compliance requirements affecting business deposit and treasury management products. Ensure that products are designed and developed in accordance with applicable laws and regulations, and maintain a strong understanding of the risks inherent to the role—including fraud controls, client entitlements, operational risk, and payment-related rules—establishing and maintaining control activities that mitigate those risks consistent with the credit union's risk appetite and ensure operational integrity and compliance.

QUALIFICATIONS AND PREFERENCES:

• Bachelor's Degree in a related field plus equivalent work experience. required
• Advanced degree preferred
• 10+ years of product management experience with a focus on commercial deposits, treasury management, payments, and systems management within financial services organizations. required
• 4+ years in a senior or lead role. required

WHY JOIN US: Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.