Marketing Senior Product Manager – Deposit and Payment

J  o  b    D  e  s  c  r  i  p  t  i  o  n

THE DETAILS

Job Code:

12115

Grade:

26S

Status:

Exempt

POSITION AND PURPOSE

The Senior Product Manager -Deposit and Payment leads the strategy, development, enhancement, and ongoing optimization of Golden 1 Credit Union's deposit products. This role is responsible for delivering competitive, member-focused solutions that drive deposit growth, strengthen member relationships, enhance the member experience, and support the credit union's financial, operational, and risk objectives. The position oversees product performance through effective pricing, program design, process improvement, channel integration, and the development and execution of product promotions and campaigns. 

The Senior Product Manager – Deposit and Payment  leads cross-functional product and project initiatives, including market and competitive analysis, business case development, requirements gathering, risk assessment, implementation support, and campaign coordination. Working closely with operations, technology, finance, marketing, compliance, legal, and risk teams, this role delivers compliant, scalable lending solutions that increase product value, strengthen Golden 1's competitive position, and align with organizational strategy and member needs. 

WHO WE ARE

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE

You are a strategic product leader who understands deposit products and can translate member, market, and operational needs into actionable product strategies.

You are a collaborative problem solver with strong project management, analytical, communication, and stakeholder engagement skills.

You bring deep financial services experience, sound regulatory judgment, and the ability to manage complex initiatives across systems, vendors, and cross-functional teams.

THE WORK

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Product Strategy and Roadmap: Support the development and refinement of product strategies and roadmaps that meet member needs and the Credit Union’s financial objectives. Incorporate market research, member/consumer insights and industry trends into to identify new opportunities for growth and differentiation

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Product Development and Management: Lead end-to-end product development lifecycle for key deposit products, from concept ideation through launch and post-launch optimization. Collaborate closely with internal stakeholders, including IT, finance, risk management, marketing, and operations, to ensure successful product delivery and ongoing feature/functionality enhancements.

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Customer Insights and Market Analysis: Incorporate market research, member and consumer insights, competitive intelligence, and industry trends to identify growth, differentiation, new product and enhancement opportunities. Translate these insights into actionable product requirements, feature/functionality enhancements, pricing changes or decisioning strategy optimization.

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Cross-Functional Collaboration: collaborate with IT, finance, risk management, marketing, operations, vendors, and other stakeholders to define requirements, prioritize enhancements, and deliver successful product initiatives.

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Product Performance Monitoring: Establish, monitor, and analyze key performance indicators, product performance, customer feedback, and market trends to identify improvement opportunities and drive product enhancements.

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Regulatory Compliance: Stay current on applicable financial services regulations and ensure products are designed, developed, and managed in accordance with regulatory requirements. Support pricing, disclosure management, requirements documentation, risk assessments, software integrations, and implementations related to deposit products.

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Develop and maintain an understanding of the pertinent regulatory requirements and risks inherent to job responsibilities, establish, and maintain control activities that mitigate those risks consistent with the Credit Union’s risk appetite, and ensure operational integrity and compliance with applicable regulations.

QUALIFICATIONS

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Bachelor’s Degree in a related field or equivalent work experience required

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Advanced degree preferred

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8+ years of product management experience required

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3+ years in a senior or lead role, focused on deposit and payment product and systems management within financial services organizations required

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Comprehensive knowledge of deposit, and payment product principles, including regulations and industry best practices.

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Proven product management experience, preferably in the financial services industry.

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Pricing and product profitability models

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Strong organizational skills with the ability to prioritize tasks, manage timelines, and deliver results in a fast-paced environment.

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Effective communication and presentation skills with the ability to collaborate with and influence cross-functional leaders, internal teams, and vendors.

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Proficiency in data analysis tools and techniques, Agile methodologies, product development frameworks, and Microsoft Office products including Word, Excel, PowerPoint, Visio, and Nitro Pro.

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Strong understanding of the financial services market, digital transformation, analytics, cross-functional execution, and regulatory requirements.

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Robust analytical, strategic, interpersonal, and problem-solving skills with the ability to manage competing demands and engage multiple initiatives simultaneously

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None required

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Solves Problems Proactively - Tackles complex issues independently

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Innovates and Applies Insights - Suggests improvements

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Delivers Results with Agility - Maintains quality during change 

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Collaborates Across Teams - Works effectively with peers 

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Influences and Persuades - Shares expertise to guide others 

ORGANIZATIONAL CONTACTS AND RELATIONSHIPS

INTERNAL:

All levels of management and staff.

EXTERNAL:

C.C.U.L., community organizations, vendors, suppliers, and peers in financial institutions.

WORKING CONDITIONS

Work time includes weekend and after-hours time, based on organizational needs. This position works in-office where working conditions, lighting, temperature, audio, and workspace are all sufficient.

PHYSICAL REQUIREMENTS

Work requires the ability to constantly operate a computer and the ability to read, type, and communicate. Work may require the ability to move work-related supplies weighing up to 10-15 pounds.

DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.

DECLARATION/ACKNOWLEDGEMENT

This job description outlines the essential functions and physical/mental requirements necessary to perform this role. Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.