Head of Product - Consumer & Private Bank

Texas Capital•Dallas, TX

About The Position

The Head of Product, Consumer & Private Banking develops and executes strategic plans for the retail, digital, and private banking product portfolios (e.g., deposits, lending, wealth, and advisory solutions). This role is accountable for identifying market opportunities, evolving customer behaviors and expectations while ensuring alignment with enterprise objectives and regulatory requirements. This leader will set clear product vision while driving disciplined execution, using data and customer insights to inform decision-making and partnering with technology and operations to deliver scalable, user-centric solutions. The role requires a strong balance of strategic thinking, operational rigor, and innovation.

Requirements

Bachelor’s degree in business (Finance, Accounting, Economics, etc.) or relevant field; MBA preferred
10+ Years experience in financial services product strategy, product management, or customer experience; management consulting experience valued with proven track record of building scaled, market-leading products
Proven success in managing product teams and demonstrating strong partnership with cross-functional stakeholders
Experience working at fintech companies or leading fintech initiatives within traditional banking organizations
Strong curiosity and deep knowledge in consumer trends, wealth technology, and emerging banking solutions, with a proven ability to build scalable, market-leading products in complex, regulated environments
Proven ability to set vision, develop long-term roadmaps, and execute product strategy with focus on building user-centric products
Knowledge of advanced market research and competitive intelligence capabilities; ability to identify market opportunities and translate insights into product innovation
Strong financial acumen & understanding of P&L management to assess financial viability; advanced analytical skills with strong focus on cost-benefit analysis, revenue optimization
Ability to recruit, mentor, and grow product teams and drive collaboration between technology, operations, compliance and other internal partners

Responsibilities

Develop and deliver the long-term vision for Consumer and Private Banking product lines and set ambitious roadmaps built on in-depth understanding of customer needs, market trends, competitive landscape
Identify distinct customer segments and tailor product offerings to meet their specific needs and financial goals
Own product features, pricing strategies and product positioning and go-to-market strategies for new consumer products or enhancements to existing ones
Assess competitive pricing and define pricing strategy based on deposit and customer portfolio as well as competitive landscape
Work closely with marketing, retail, operations, risk management, and technology teams to ensure seamless product launch and ongoing management
Leverage data to understand product adoption to measure product performance, understand customer behavior patterns, and inform strategic decision-making.
Own product-level P&L and assess financial viability of new products; develop business cases with clear ROI and revenue projections
Ensure ongoing monitoring of products, pricing, and fees; identify optimization opportunities and partner on adoption enhancements
Monitor regulatory changes and ensure product offerings adhere to relevant banking laws and guidelines
Build strong, collaborative relationships across design, engineering, and operations at the team and organizational levels
Define and deliver overall consumer, retail, and private banking product roadmaps with clear success metrics and adoption targets