Director, Digital Originations & Onboarding

Valley Bank•New York, NY

About The Position

This role is responsible for leading the strategy, roadmap, and commercial performance of digital originations and onboarding across the consumer and small business portfolio. The Director will build, lead, and develop a team of Product Owners, Product Managers, and Analysts, fostering a results-driven culture focused on commercial outcomes. Key areas of focus include optimizing application funnels, driving activation and early relationship growth, and establishing robust funnel intelligence and performance management systems. The role requires a strong understanding of digital banking, product management, and the ability to build alignment across various functional partners.

Requirements

A growth and sales mindset: you think about digital origination and onboarding as a revenue function, and you build teams that do the same.
Funnel fluency: deep familiarity with conversion analytics, A/B testing, drop-off analysis, and the discipline of continuous funnel optimization.
Portfolio-level thinking: able to manage competing roadmap priorities across multiple products and segments, making trade-offs based on commercial impact.
Strong executive presence: able to set targets, report against them honestly, and build credibility with senior leaders through clarity and accountability.
Deep understanding of digital originations platforms, API-based decisioning, and agile product delivery at scale.
Ability to build alignment across Risk, Credit, Compliance, Technology, and line-of-business partners, none of whom report to you.
A builder's mindset: energized by building organizations and growth engines, not just managing steady-state products.
High School diploma or GED equivalent and a minimum of 10 years of experience in digital banking, digital sales, or financial services product management, with at least 4 years leading a team with direct reports.

Nice To Haves

Business, Finance, Technology or related field.
Master of Business Administration.
Demonstrated track record of driving commercial outcomes through digital originations or digital sales channels: funded account growth, conversion improvement, or acquisition cost reduction at meaningful scale.
Deep experience with digital originations and onboarding across consumer banking products; small business experience is a strong plus.
Proven experience building and developing product organizations oriented around business results, not just capability delivery.

Responsibilities

Build, lead, and develop a team of Product Owners, Product Managers, and Analysts across digital originations and onboarding, with clear ownership by domain.
Foster a results driven culture focused on commercial outcomes such as funded accounts, conversion, activation, and early relationship growth, rather than feature delivery.
Establish clear roles, decision rights, and operating rhythms to enable accountability and execution.
Develop product leaders who pair strong product craft with commercial judgment and represent the function as a senior leader in executive forums, cross functional planning, and external partnerships.
Own the strategy, roadmap, and commercial performance of digital originations across the full consumer and small business portfolio, including deposits, cards, loans, mortgages, and small business banking.
Drive accountability for application volume, conversion, funded accounts, and acquisition cost.
Continuously optimize funnels by reducing friction, minimizing drop offs, and improving speed and transparency.
Partner with Risk, Compliance, Credit, and Technology to ensure compliant, scalable solutions, informed by regular benchmarking against banks and fintech competitors.
Provide strategic oversight of Valley Direct as a core direct to consumer acquisition channel.
Hold the channel accountable for application volume, funded accounts, acquisition cost, and deposit growth, and partner with Marketing to ensure competitive positioning, compelling offers, and alignment with enterprise acquisition strategy.
Own onboarding as a commercial growth lever, focused on activating clients and accelerating relationship depth.
Set and manage targets for onboarding completion, early feature adoption, and 90 and 180 day cross sell.
Design personalized onboarding journeys by product, segment, and behavior, and ensure a seamless transition from origination through early engagement.
Partner with Marketing, Analytics, and business leaders to drive early revenue and retention.
Own end to end funnel measurement from prospect to funded, activated, and deepened relationships.
Establish clear targets, ownership, and review cadence at each stage.
Deliver dashboards and reporting that provide leadership with real time visibility into funnel performance, unit economics, and early relationship health, supported by advanced analytics and behavioral insight.