Manager, Consumer Deposit Product

2 days ago

New York, United States Municipal Credit Union Full time
Job DescriptionJob Description

About MCU:

At Municipal Credit Union, we believe that an incredible culture helps create a happy and motivated team that works hard to achieve the best results for themselves and their members. For more than 100 years, MCU has provided affordable financial products and convenient services to a membership base that is now comprised of over 500,000 individuals. With each new generation we have the pleasure of interacting with, we maintain the credit union promise of people helping people.


Overview: The Consumer Deposit Product Manager provides leadership and oversight of translating strategic objectives into actionable product initiatives for Consumer Deposit Products and services. The manager ensures that deposit products reach profitability and strategic objectives, and serves as a principal point of contact for Product Management with our internal and external relationships.

Responsibilities:

Specific duties include, but are not limited to, the following:

  • Product Development and Management: Support the end-to-end lifecycle of Consumer Deposit products, including ideation, market analysis, design, development, testing, pricing, fees, and ongoing enhancement.
  • Ensure product offerings are competitive, compliant, aligned with our strategy and member needs. Work closely with Retail to integrate deposit product offering into our full product/services suite.
  • Product Portfolio Monitoring: Monitor and report on product portfolio trends including P&L, Balances, Fee income, Productions, Attrition. Provide corrective action recommendations when performance is not in line with expectations.
  • Market Research and Analysis: Stay abreast of market trends, competitor offerings, and evolving third-party requirements. Use market signals and insights to identify opportunities for new product introductions or enhancements to existing products.
  • Cross Functional Collaboration: Partner with Risk, Retail & Deposit Operations to ensure processes, procedures, policies, and systems are functioning as designed and partner on projects for implementation.
  • Act as a primary resource and subject matter expert to the Retail line of business by providing expert product knowledge, product applications, and pricing support alongside Finance.
  • Own Go-to-Market strategy alongside Retail, Digital and Marketing for any new product.
  • Knowledge of fundamental regulations governing U.S. retail deposit accounts, payments, and digital banking services, including but not limited to Regulation DD, Truth in Savings, Regulation E, Regulation CC, Bank Secrecy Act (BSA), Patriot Act and Office of Foreign Assets Control (OFAC). Apply this knowledge to ensure compliance, risk management, and proper regulatory reporting.
  • Perform other related duties as requested and special projects as assigned.

Requirements:

  • Bachelor’s degree (BA, BS, BBA, etc.) required or a minimum of eight years directly related experience
  • Minimum of five years of product management, product development or product marketing experience required
  • Intermediate Banking knowledge of Deposit Products and services
  • Strong reporting, decision making, analytical and problem-solving skills. Highly flexible and able to quickly adapt to changing priorities
  • Highly organized, self-motivated, member oriented and able to proactively work independently as well as within a team
  • Ability to perform in a high-volume environment and meet deadlines while maintaining exceptional attention to detail

Leadership Competencies:

  • Proven ability to manage change
  • Capacity to take calculated risks and innovate
  • Experience in setting vision and strategy
  • Lead by example and encourage team in developing adaptability
  • Successful in communicating effectively
  • Prioritizes developing others
  • Thinking that values diversity and difference
  • Proven ability to build and maintain relationships at all levels of the organization
  • Skilled at managing effective teams and work groups that default to action, are accountable, and take ownership of work

Why you’ll be a good fit:

Our Core Values are an integral part of who we are and who we hire. By living our Core Values, every day, we continue to attract the best and brightest talent, achieve unsurpassed results and continuously challenge ourselves to be better than yesterday. These values are at the heart of our organization and within every teammate. To be a great fit, you’ll bring the following:

Results – You’ll look to achieve the best outcomes for our members. Continuously track and measure everything, and use it to always improve. Be proactive, not reactive.

Agility – You’ll remain agile in your decision making, planning, and delivery; using curiosity and creativity to see situations from all perspectives.

Integrity – You’ll act professionally and positively. Build trust, be upfront and communicate thoroughly.

Teamwork – You’ll work to achieve common goals as part of ONE TEAM.

Ownership – You’ll hold yourself and others accountable and remain committed to our obligations while caring about the outcomes as much as an owner would.

Belonging – You’ll embrace and environment in which any individual or group can be and feel welcomed, respected, supported and valued.

We stand by our mission to connect our members and communities with an exceptional financial future and we are looking for individuals who share this same purpose to take this journey with us.

What we can offer you:

Competitive compensation, medical and dental benefits.

401K with employer match

Flexible paid time off

We are committed to hiring, training, cultivating, promoting, and celebrating an environment where we have a welcoming and fulfilling place for all people to call home. Diversity of race, thought, sexual orientation, age, veteran status, religion, and disability will empower us to thrive as individuals, as teams, and as an organization.

Municipal Credit Union (MCU) is an Equal Opportunity Employer.

Municipal Credit Union provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Salary: $110,000 - $120,000 Annually

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