Product Manager (Operations) - Payments & Loans

Job Title: Product Manager (Operations) - Emphasis on Payments and Loans

Reports T o : Vice President, Product Portfolio Management


Positions S upervised : N/A


FLSA Status : Exempt


This is a Hybrid/St. Louis position


Job Summary


The product manager is responsible for driving the product and business planning processes for cross-functional teams within the organization to expand and develop a primary product/solutions portfolio. This position is responsible for analyzing member needs, current market trends, and potential partnerships to aid in the implementation of effective product management strategies


Job Responsibilities


The intent of this job description is to provide a representation of the types of duties and level of responsibilities required of this position and is not intended to be an exhaustive list of all responsibilities, duties, and skills. Team members may be directed to perform job-related tasks others than those specifically stated in this description.

• Drives the execution of all processes in the consumer and business loan and payments (cards, money movement) product lifecycle, including product and market research, competitor analysis, planning, positioning, requirements, roadmap development, product launch, and ongoing product experience.

• Assesses current competitor offerings and seeks opportunities for differentiation.

• Gathers member and consumer insights and clearly defines problems to solve.

• Collaborates with cross functional teams to identify product and experience opportunities and build associated plans to address.

• Ideates solutions for Credit Union existing and potential members.

• Identifies and socializes performance trends, and defines product objectives for effective marketing communications, pricing, and placement.

• Collaborates with Legal, Risk, Compliance, Marketing, IT and Operations teams in development, quality assurance, release of product, resource balancing, and problem resolution to ensure organizational success.

• Manages operational risks to deliver satisfactory regulatory and internal audits.

Required Qualifications


An equivalent combination of education, training, and experience will be considered.

• Minimum of 5 years of related professional experience

• College degree in related field preferred

Knowledge, Skills, and Abilities (KSAs)


A representation of the knowledge, skills, and abilities necessary to perform this job competently.

• Strong understanding of retail and small business banking, credit union operations, and member experience.

• Experience with product positioning, product and program innovation, channel, and consumer engagement.

• Strong knowledge of financial payments space, including credit and debit card, processors and PIN networks, stable coin, FedNow, payments hubs, fintechs, etc.

• Inquisitive, agile, and strong team player with excellent written, verbal, and interpersonal communication skills with the ability to develop and deliver presentations/communications that achieve maximum impact.

• Ability to navigate at all levels within the organization.

• Ability to have strong influence skills and can effectively build a business case and develop a successful recommendation for buy-in.

• Proven ability to analyze performance, research, financials, and competitive data to drive strategic and tactical recommendations.

• Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities.

• Strong attention to detail in a fast-moving environment.

• Ability to exercise discretion on confidential matters.

Work Environment


Environmental or atmospheric conditions commonly associated with the performance of this job's functions.

• Hybrid remote and in-office setting; general office environment when in-office

Physical Abilities


The physical demands described below are representative of those that must be met by an employee to successfully perform this job's essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

• Ability to work at a computer in a stationary manner up to 8 hours daily.

Together Credit Union is an Equal Opportunity employer. The Credit Union complies with appropriate federal, state, and local laws and provides equal employment opportunities without regard to race, color, religion, gender, age, sexual orientation, gender identity or expression, national origin, military or veteran status, disability (including pregnancy), genetic information, or any other protected status to all qualified applicants and employees. Together Credit Union is committed to a policy of non-discrimination and dedicated to providing a positive discrimination-free work environment.