Sr. Manager Financial Products & Payment Systems (Data)

KēSTA I.T. • Riverdale, UT

1d • Onsite

About The Position

KēSTA I.T. is seeking a Senior Product Manager, Payments to own product strategy, lifecycle, and pricing for product lines at a large credit union and lead the team supporting them. The role manages products from concept through their full lifecycle, including defining product vision, gathering and prioritizing product and member requirements, and leading cross-functional teams to deliver products aligned with organizational growth, yield, and risk management goals. It is a product-strategy role, not a Product Owner or Scrum Master position, and combines business and technical work. The portfolio is a multi-billion-dollar loan portfolio, with data from internal sources and third-party partners such as car dealers, banks, and brokers. Data analysis and financial acumen are essential; building data pipelines is not expected.

The Senior Product Manager advises senior management and credit union leadership on product value propositions, pricing, and strategy, and supervises Product Managers, Product Analysts II, and Product Analysts I. This is a full-time, in-office position, Monday through Friday, in the Roy, Utah area. The posting also mentions work-from-home, hybrid, and onsite options among available benefits.

KēSTA I.T. is a Utah-based technical staffing and consulting services firm specializing in temporary and permanent placement across technology and executive or leadership roles, on a full-time and consulting basis.

Requirements

• At least 8 years of experience in product management or a related field; experience in a financial institution is preferred.
• Bachelor's degree in business or a related field.
• Proficiency in SQL, Tableau, R Studio, and Python.
• Experience with Spark and Airflow.
• Proficiency in Excel and PowerPoint.
• Knowledge of credit union products, services, policies, and procedures.
• Understanding of market pressures that drive product performance.
• Extensive knowledge of statistics and related computer applications, and of financial and market indicators.
• Demonstrated success defining and launching products.
• Proven ability to influence cross-functional teams.
• Expertise in pricing models and analysis.
• Negotiation expertise.
• Strong leadership, decision-making, problem-solving, communication, and project management skills.
• Ability to distill information, communicate ideas, and present findings to senior management, including in public-speaking settings.
• Strong abstract, analytical, critical, and creative thinking abilities.

Nice To Haves

• Master's degree.
• Product-management or related-field experience in a financial institution is preferred.

Responsibilities

• Manage products through the full product lifecycle, defining product vision, gathering and prioritizing product and member requirements, and ensuring product-line sustainability.
• Establish and drive short- and long-term strategic plans and product and revenue-generating strategies aligned with organizational goals.
• Create and optimize complex pricing and price-elasticity models for multi-billion-dollar loan portfolios, reflecting risk profiles and regional market and yield requirements.
• Lead strategic pricing initiatives balancing member satisfaction, market share, yield, and revenue requirements; direct Product Managers on pricing models and strategies.
• Own product innovation activity, including pricing, terms, collateral, operational behavior, and product attributes; develop and justify product modifications and improvements.
• Build and launch products and features, and drive product and process innovation and automation for scalable, profitable solutions.
• Create and maintain Market Requirement Documents, Product Requirement Documents, business cases, and product roadmaps, and ensure adherence to them.
• Maintain forecasts for product growth, revenue, and expenses; prepare business cases attentive to member impact, including underserved field-of-membership expansion.
• Conduct primary and secondary market research, competitor analysis, and SWOT analysis to develop value propositions and advise senior management on competitive positioning.
• Use SQL, Tableau, and other data engines to produce actionable analysis; create and maintain technical and financial dashboards and product performance reporting for credit union leadership.
• Monitor underwriting guidelines, write-offs, delinquency, and economic conditions to mitigate risk, and advise management on underwriting and lending-practice changes.
• Lead cross-functional teams on product risk management, pricing, growth, and yield, and act as project manager to deliver products on time and to requirements.
• Negotiate third-party contracts and serve as the authoritative source of product information, including definitions, policies, and pricing.
• Present distilled findings from complex analysis to senior management and advise on product value propositions, innovation, pricing, and strategy.
• Supervise, mentor, and train Product Managers, Product Analysts II, and Product Analysts I, including conducting one-on-ones and performance evaluations, scheduling, assigning tasks and goals, and participating in corrective action.
• Participate in interviewing, selecting, and hiring new team members.

Benefits

• Medical benefits, with Platinum-level plans available.
• Work-from-home, hybrid, and onsite options are listed as available options, although this role is also described as in-office.
• Paid time off (PTO).
• Holiday pay.
• Volunteer time off (VTO).
• 401(k).
• Charitable match.
• Training reimbursement.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior