Senior Product Manager - Merchant Services

F.N.B. Corporation•Pittsburgh, PA

About The Position

FNB Merchant Services is investing in growth, and this role is central to that work. The Senior Product Manager owns FNB's Merchant Services products and solutions from end to end, including strategy, pricing and packaging, partner capabilities and the client experience. The role serves clients in every segment, with a focus on small business and commercial banking. It drives product innovation, revenue growth and operational efficiency across the merchant portfolio, and works hands-on with sales as a Client Solutions Advisor on complex payment acceptance needs. The position sets strategies and goals for assigned roadmap products critical to revenue and customer acquisition goals, monitors product performance, and revises strategy or execution as needed. It coordinates Marketing, Information Technology, Bank Operations, vendors and Sales to ensure high-quality product delivery. The role coaches assigned Product Managers, supports the Director of Treasury Management Product, and ensures products comply with regulatory requirements, card network rules, internal governance standards and company procedures.

Requirements

Bachelor of Arts or Bachelor of Science degree.
At least 7 years of job-related experience.
Experience in general banking.
Knowledge of commercial banking and Treasury Management, Merchant Services or Commercial Card.
Experience in vendor management.
Deep experience in merchant acquiring, including pricing and interchange economics, processing, gateways and card network rules.
Ability to work comfortably with clients and executives and explain technical payment flows in clear business terms.
A record of taking products from idea to launch in a regulated environment.
Legally authorized to work in the United States; employment-based visa sponsorship is not provided.

Nice To Haves

Background at a bank, processor, ISO or payments fintech.

Responsibilities

Lead strategy, development and lifecycle management of merchant products; own the roadmap and business cases using client needs, market trends and competitive insight, and be accountable for revenue, adoption and profitability.
Join client calls with sales to address complex payment acceptance needs, including integrated, e-commerce and omnichannel use cases.
Train and equip bankers, sales officers and relationship managers with tools and product positioning; participate in market-facing activities and identify training needs.
Manage processor, gateway and software partners to support excellent service, expand product capabilities and accelerate delivery to market.
Coordinate with technology, operations, sales, risk, compliance, marketing, bank operations and vendors to deliver products, enhancements and strategic initiatives.
Monitor product performance and profitability, identify growth opportunities, and recommend or take actions to increase revenue, adoption, competitiveness and operational effectiveness.
Serve as a subject matter expert on merchant acquiring, payment acceptance and emerging payment technologies for internal teams and clients.
Ensure products meet regulatory requirements, card network rules, internal governance standards and company procedures.
Develop, implement and manage assigned products to ensure profitability, marketability and high quality; set strategies and goals and assist with project and resource prioritization.
Own the Project Approval process for acquisitions or builds of new products or functionality.
Coach assigned Product Managers, share best practices and identify internal and external professional-development opportunities.
Evaluate existing products, identify new opportunities and recommend enhancements.
Support sales staff and work with the Sales team to develop solutions for complex client situations; work directly with clients as assigned.
Support the Director of Treasury Management Product as assigned and perform other related duties and projects.
Serve as a risk manager by understanding, reporting, responding to, managing and monitoring risks encountered in daily work.