Director, Checking, Debit & Loyalty Products, Liberty Street, New York, NY

Banco Santander•Boston, MA

1d•$116,250 - $210,000

About The Position

The Director of Digital Banking Products will lead strategy, development, and performance for our core retail banking products, including checking accounts, debit cards, and customer loyalty programs. This is a key leadership role responsible for defining and executing product strategies that drive customer acquisition, engagement, and deposit growth. The ideal candidate brings a strong product management background, deep understanding of the consumer banking landscape, and a proven track record of building and optimizing digital financial products that deliver both business and customer value.

Requirements

Bachelor's Degree or equivalent work experience: Business, Finance or equivalent field. - Required.
9+ Years experience in product management within retail banking or fintech, with focus on checking, debit, or loyalty programs. - Required.
Proven ability to design and launch digital financial products that drive business outcomes.
Strong strategic thinking, with ability to translate customer needs and market trends into actionable plans.
Demonstrated understanding of digital banking ecosystems, APIs, payments infrastructure, and regulatory frameworks.
Experience using analytics to guide decision-making and measure performance.
Strong leadership, communication, and stakeholder management skills.

Nice To Haves

Master's Degree Business, Finance or equivalent field. - Preferred.
Experience with digital account opening and servicing platforms.
Familiarity with card networks (Visa, Mastercard) and debit program management.
Understanding of customer segmentation, lifecycle marketing, and loyalty design.
Experience in Agile development environments and tools.
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

Responsibilities

Define and execute multi-year product strategies for checking, debit, and loyalty programs, aligned with enterprise goals.
Lead development and prioritization of product roadmaps focused on digital innovation, revenue growth, and competitive differentiation.
Own the go to market strategy, product position and channel strategy to drive efficient, scalable distribution motions.
Monitor product performance, competitive trends, and customer feedback to drive continuous improvement and evolution.
Collaborate with Finance, Marketing, and Data teams to build and track KPIs tied to customer growth, product profitability, and loyalty engagement.
Own the end-to-end product lifecycle, from ideation and business case development to launch and ongoing optimization.
Partner with Technology, UX, and Operations teams to deliver seamless digital account opening, onboarding, and servicing experiences.
Drive enhancements such as digital card issuance, card controls, rewards integrations, seamless money movement and personalized product experiences.
Develop loyalty strategies that deepen customer relationships, increase transaction activity, and promote multi-product adoption.
Partner with Marketing and Analytics teams to design campaigns and offers that drive growth and retention.
Utilize data insights to tailor engagement strategies and refine targeting across customer segments.
Lead and mentor a team of product managers and analysts responsible for execution and delivery.
Serve as the strategic point of contact for internal stakeholders including Compliance, Risk, Finance, and Executive Leadership.
Represent product strategy in key planning forums and governance committees.