Director, Product Management - Deposit Products

Ameriprise•Charlotte, NC

4d•Hybrid

About The Position

The Director, Deposit Products is a senior product leadership role responsible for the strategy, financial performance, and end‑to‑end lifecycle management of deposit products, including checking, savings, and certificates of deposit (CDs). This role owns the multi‑year product vision and roadmap, driving customer acquisition, engagement, and balance growth while maintaining strong financial discipline, regulatory alignment, and operational excellence. The Director serves as the senior product owner, partnering closely with executive leadership, technology, marketing, finance, risk, compliance, operations, and external vendors to deliver scalable, data‑driven deposit solutions aligned with broader banking, investment, and wealth management strategies.

Requirements

10+ years' relevant experience
5+ years of Deposit Product Management Experience
Bachelor’s degree in business, economics, or related field
Demonstrated success leading to the development, launch, pricing, and scaling of bank deposit products
Deep expertise across the end‑to‑end product management lifecycle
Strong experience with deposit pricing, financial modeling, forecasting, and performance drivers
Proven partnership with marketing on campaign execution, measurement, and optimization
Solid working knowledge of analytics, performance reporting, SQL, and data‑driven decision making
Excellent executive‑level communication and presentation skills
Proven ability to influence senior stakeholders and lead cross‑functional teams
Prior experience leading across the organization to implement project
Applicants must have a valid work authorization that does not now, or in the future, require visa sponsorship for employment in the United States (e.g., H-1B, F-1 CPT, F-1 OPT, TN).

Nice To Haves

Master’s degree in business, economics, or related field
8+ years of Deposit Product Management Experience
Knowledge of or experience within wealth management or investment‑focused organizations
Extensive experience with Checking, Savings, CDs, or similar product deposit management
Experience in bank deposit products at a national or large regional bank
Experience crafting and managing deposit acquisition and engagement offers
Familiarity with core banking platforms (FIS platforms strongly preferred) and fintech vendor ecosystems

Responsibilities

Develop the long‑term vision, strategy, and roadmap for deposit products, with primary emphasis on bank deposit products.
Align product strategy with client needs, growth objectives, and enterprise banking and wealth management goals.
Lead the full product lifecycle, from ideation and business case development through launch, optimization, and retirement.
Establish and evolve product management standards, governance, and operating cadence across the deposit portfolio.
Serve as the senior product owner, leading complex, cross‑functional initiatives across technology, risk, compliance, operations, finance, marketing, and sales.
Drive disciplined execution across multiple initiatives, ensuring dependency management, risk mitigation, and on time delivery.
Communicate product strategy, tradeoffs, risks, and outcomes to senior and other stakeholders, influencing without direct authority.
Weigh in on deposit pricing strategy, including rates, promotions, segmentation, lifecycle pricing, and behavioral economics.
Partner with finance and treasury on forecasting, margin performance, balance growth, and profitability.
Build and maintain financial views, performance dashboards, and executive‑level reporting to inform decision making.
Monitor performance drivers and translate insights into pricing, product, and promotional actions.
Lead data‑driven acquisition and engagement strategies in partnership with marketing.
Optimizes campaigns, offers, and channels to maximize ROI, customer growth, and lifetime value.
Represent deposit products in internal and external forums, bringing deep product and market expertise.
Leverage analytics and SQL‑based insights to monitor KPIs, customer behavior, and product performance.
Translate customer and performance insights into clear, actionable product and portfolio decisions.
Drive a culture of test‑and‑learn optimization across pricing, features, and marketing.
Ensure consistent, compliant customer experiences across existing products and product changes.
Oversee product‑level regulatory requirements, disclosures, agreements, and policy updates.
Partner with risk and compliance to proactively identify and address product risks.
Lead, mentor, and develop high‑performing, customer‑centric, data‑driven product teams.
Set clear expectations, provide ongoing coaching and feedback, and support career development for product leaders.