Senior Product Manager – HNW Lending

Royal Bank of Canada•Charlotte, NC

8d•$70,000 - $145,000•Onsite

About The Position

The Senior Product Manager – HNW Lending leads a cross-functional agile team within Banking & Lending Digital Products to deliver innovative HNW lending solutions. You will drive the next phase of growth across Securities-Based Lending (SBL), Tailored Lending, and Mortgage product lines by building, maintaining, and enhancing lending platforms that address target audience needs while advancing product strategy and vision. This role is accountable for product innovation, platform reliability, and business performance across the HNW lending portfolio.

Requirements

Minimum 5 to 8 years of progressive product management experience in financial services, with substantial focus on lending, payments, or wealth management products
Deep, hands-on knowledge of HNW lending products, including Securities-Based Lending, mortgages, and/or tailored lending offerings; familiarity with loan origination, underwriting, and servicing workflows
Demonstrated ability to lead and collaborate with cross-functional teams in an agile environment; experience managing product through development cycles from conception to deployment
Proven track record building or enhancing digital platforms for advisor and/or client-facing channels (portals, mobile, desktop platforms)
Strong ability to translate business requirements into technical specifications, participate in design activities, and drive evidence-based product decisions
Exceptional ability to present findings, articulate product vision, and influence cross-functional teams and senior leadership
Strong analytical skills with ability to use data to inform decisions, troubleshoot issues, and optimize processes

Nice To Haves

Advanced degree (e.g., MBA) or relevant certifications (e.g., Certified Product Manager, Six Sigma)
Direct experience with loan origination systems (LOS) or lending platforms
Familiarity with regulatory requirements in lending (e.g., Reg T, Dodd-Frank, Truth in Lending Act)
Prior experience working in a wealth management or high-touch, advisor-driven environment
Knowledge of fraud prevention and risk management in lending contexts
Experience managing product P&L or business metrics within a lending product line

Responsibilities

Define, socialize, and evolve the future-state product roadmap based on market needs, stakeholder input, technical feasibility, and business priorities
Envision and architect new lending platforms and enhancements to existing solutions that deliver measurable value to clients, advisors, and internal users
Drive the next phase of growth across SBL, Tailored Lending, and Mortgage product lines while maintaining competitive positioning in the HNW market
Partner with design, research, technology, legal, risk, and compliance teams to make informed product decisions and drive alignment across functional groups
Work across RBC business units to deliver a seamless, integrated OneRBC lending experience that strengthens customer engagement and brand consistency
Lead cross-functional agile initiatives involving product, engineering, UX, operations, risk, and compliance teams to bring new products and enhancements to market
Translate business needs into clear, actionable requirements in collaboration with technology, business, and control partners
Conduct end-user research and leverage data analysis to validate assumptions, inform requirements, and guide wireframe design
Regularly present findings, progress updates, and recommendations to key stakeholders including senior leadership and product governance forums
Collaborate with legal, compliance, risk, technology, and operations teams to identify inefficiencies, streamline workflows, and enhance lending product processes
Identify, diagnose, and collaborate with technology teams to resolve technical issues and system errors impacting lending platform performance
Participate in User Acceptance Testing (UAT) and Post-Implementation Validation (PIV) testing to ensure solutions meet business requirements and deliver quality outcomes
Actively review and curate backlog items, prioritize against roadmap, retire outdated items, and clarify ambiguous requirements by engaging original submitters
Maintain product backlog health and ensure clear prioritization aligned with strategic objectives and business targets
Balance innovation initiatives with operational excellence and technical debt management
Engage and coordinate with external vendors to evaluate solutions, manage integrations, and support product delivery timelines
Assess vendor capabilities against product requirements and ensure seamless integration with existing lending platforms
Manage vendor relationships to drive cost efficiency and product quality
Deliver against agreed business targets and key performance indicators to ensure product success and ROI realization
Monitor product health through KPIs and KRIs (e.g., adoption rates, application completion rates, loan approval rates, system performance)
Conduct post-launch analysis and continuous monitoring to validate product assumptions and drive iterative improvements