Digital Product Manager

Apple Federal Credit Union•Fairfax, VA

7d•$82,066 - $102,583•Hybrid

About The Position

The Digital Product Manager executes digital and technology strategies under the direction of Digital Solutions leadership, focusing on team-level product development, operational excellence, and member-centric initiatives. The role leads enhancements, delivery, and ongoing optimization of Apple FCU’s digital banking products, including its mobile application, online banking, and related self-service experiences. The manager owns the product backlog, applies analytical insights, and develops capabilities that support members’ financial health, strengthen member relationships, and contribute to business growth and Apple FCU’s position in digital banking. The position requires fluency in credit union terminology, products, and business practices, along with broad product management experience across acquisition, activation, usage, retention, and the product lifecycle. It encompasses enterprise initiatives, day-to-day work with Agile Scrum teams, operational tasks, and substantial vendor management. The manager aligns vendor capabilities, delivery, and support with organizational priorities and works across strategic planning, team delivery, vendor coordination, and operational execution. Duties are performed in accordance with Apple FCU policies and procedures and applicable legislation and regulations, including the Bank Secrecy Act; other duties may be assigned by Digital Management. The role is based in a hybrid work environment, with a minimum of three days per week in the office. It involves navigating a financial institution setting, adapting to high-velocity work conditions, and frequent communication by phone, chat, and email. The position requires the ability to lift 25 pounds and use standard office equipment.

Requirements

At least 7 years of digital banking support, bank systems administration, or product management at a financial institution.
At least 5 years of progressively responsible product management experience supporting banking or credit union products, including digital banking systems and core banking systems.
Experience with digital banking and/or fintech vendors.
Experience with Atlassian products, including Jira and Confluence.
Experience releasing member-facing software at scale in a fast-paced work environment.
Product Management Certification, Scrum Master certification, and Scrum Product Owner certification.
Bachelor’s degree or equivalent work experience.
Excellent verbal and written communication skills for interaction with team members, management, and cross-functional partners.
Ability to guide, develop, and support individuals in a team setting and collaborate effectively with cross-functional teams.
Strong problem-solving skills, adaptability, analytical skills, and ability to interpret user feedback and digital analytics.
Understanding of digital banking trends and ability to apply industry knowledge to improve member services.
Extensive digital product management experience, including product lifecycle management, requirements gathering, release management, and digital product development best practices.
Proficiency in project management methodologies and tools, including leading multiple projects, defining scope, establishing timelines, and tracking progress.
Familiarity with digital technologies, online and mobile banking platforms, digital account opening systems, IT infrastructure, and software development processes.
Experience with software release management, system validation, and user acceptance testing.
Ability to draft and maintain standard operating procedures and use knowledge management systems such as Confluence.
Strong data analysis skills, including analysis of market trends, member needs, and competitive offerings to inform decisions and product development.
Experience providing technical support and troubleshooting for digital solutions and services.
Understanding of UX design principles and ability to collaborate with design teams on user-friendly products and services.
Experience managing digital solutions vendor relationships, evaluating vendor performance, ensuring system reliability, resolving issues, and negotiating contracts.
Knowledge of process improvement methodologies and ability to recommend and implement technological advancements to enhance operations.
Ability to lift 25 pounds and use standard office equipment, including PCs, laptops, headphones, dual monitors, copiers, and telephones.
Ability to navigate the dynamics of a financial institution and adapt to high-velocity work conditions.

Nice To Haves

Change management or Agile coaching experience.

Responsibilities

Identify and assess product and business problems and opportunities using current-state metrics, member and market data, industry factors, and the urgency and impact of taking no action.
Define affected member segments, needs, pain points, and expected improvements; document changes to member journeys and operational workflows.
Evaluate solutions against current-state processes and alternatives, including strategic alignment, costs, benefits, tradeoffs, dependencies, risks, and opportunities to build on existing products or processes.
Assess one-time investment, ongoing costs, and expected financial benefits or losses, documenting assumptions and affordability.
Coordinate with impacted teams to clarify responsibilities, delivery timing, training, marketing, and ongoing ownership.
Establish baselines, outcome measures, and accountable owners to assess results after launch and inform whether to adjust, expand, or discontinue products.
Manage the product lifecycle, vendor performance, and due diligence; work with stakeholders and subject matter experts to scope and deliver solutions that improve the member experience.
Build alignment by communicating and influencing across stakeholders and work teams at all levels.
Lead prioritization and refinement of the digital product backlog, connecting enterprise strategy and member needs to Agile team plans.
Use member data, market research, product performance, business value, risk, feasibility, and delivery capacity to score and rank opportunities.
Partner with stakeholders to clarify needs, translate them into actionable requirements, and facilitate regular refinement sessions to keep work ready, sequenced, and aligned with product goals.
Represent owned digital products in enterprise-level projects, contribute to cross-functional decisions, and assess impacts, dependencies, and opportunities.
Monitor progress, help remove roadblocks, and communicate priority or scope changes to support timely delivery and improved member experience.
Build partnerships across the organization to increase awareness, adoption, and effective use of digital products.
Collaborate with marketing, IT, Project Management, and member support teams to identify opportunities, coordinate education and engagement, and support consistent branch, contact center, and digital experiences.
Advance growth, usage, and retention goals by using member and product insights to improve adoption and deepen member engagement.
Coordinate research and use insights to enhance product value propositions and develop plans to attract consumer segments with innovative products and features aligned with Apple FCU’s strategic plan.
Identify product gaps, generate ideas to drive business growth and improve member experience, and stay informed about trends, competition, regulatory actions, issues, and best practices.
Provide support and backup to Digital Operations by investigating, troubleshooting, and resolving help desk tickets related to digital product features.
Coordinate incident response as product owner with IT Incident Managers and impacted teams to assess member and operational impact, prioritize issues, identify and implement resolutions, and communicate status to stakeholders.
Support escalation, service restoration, and follow-up analysis to identify recurring issues and improve product stability, support processes, and member experience.
Perform duties in accordance with Apple FCU policies and procedures and relevant legislation and regulations, including the Bank Secrecy Act; perform other duties as assigned by Digital Management.