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The Home Equity Product Manager is responsible for the strategic management, growth, profitability, pricing, and evolution of the Bank's Home Equity portfolio, including Home Equity Loans, Home Equity Lines of Credit, and future home-secured lending solutions. This role serves as the business owner for the Home Equity product portfolio, leading product strategy, pricing recommendations, competitive positioning, customer experience enhancements, portfolio analytics, and product development initiatives. The role is accountable for driving both front-book growth and back-book engagement while identifying opportunities to deepen customer relationships, increase household profitability, and improve customer retention.

• Serve as the primary product owner for the Home Equity lending portfolio.
• Develop and execute product strategies that support growth, profitability, customer acquisition, and relationship deepening objectives.
• Manage the full lifecycle of Home Equity products, including development, launch, enhancement, performance management, and retirement.
• Identify market gaps, customer needs, and emerging opportunities within the home-secured lending space.
• Evaluate competitive market offerings and recommend product enhancements that strengthen the bank's position.
• Establish and maintain a multi-year product roadmap aligned with organizational priorities.
• Develop new lending solutions that strengthen primary banking relationships and household profitability.
• Identify opportunities to leverage home equity products as a broader relationship acquisition and retention strategy.
• Partner with Consumer Banking, Retail Banking, and Marketing teams to create customer engagement and cross-sell initiatives.
• Evaluate opportunities to expand digital capabilities, self-service functionality, and simplified customer experiences.
• Assess emerging industry trends and fintech developments impacting consumer lending.
• Lead pricing analysis and recommendation development for Home Equity products.
• Analyze rate sensitivity, customer behavior, utilization trends, portfolio migration, and competitor pricing.
• Develop promotion pricing, relationship pricing, and targeted customer retention programs.
• Monitor portfolio health, growth, utilization, retention, profitability, and customer engagement metrics.
• Analyze customer behavior patterns and lending trends to inform strategic recommendations.
• Partner with analytics teams to improve forecasting, performance monitoring, and portfolio segmentation capabilities.
• Drive efforts to simplify the customer journey from application through servicing.
• Identify and remove friction points that impact customer satisfaction and adoption.
• Champion customer-centric product design and continuous improvement initiatives.
• Gather customer and frontline feedback to inform future enhancements.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements below represent knowledge, skill, and/or ability.

• Strong product management capabilities
• Deep understanding of consumer lending products and portfolio management
• Experience developing product strategies and growth initiatives
• Strong pricing and profitability analysis capabilities
• Exceptional analytical and problem-solving skills
• Strong communication and executive presentation abilities
• Demonstrated ability to influence cross-functional stakeholders
• Strategic mindset paired with strong execution discipline.

• Advanced proficiency with Microsoft Excel, PowerPoint, and other Microsoft Office applications.
• Experience utilizing Power BI or similar business intelligence tools.
• Strong analytical modeling and reporting skills.
• Familiarity with consumer lending systems, loan origination platforms, and servicing environments.
• Ability to leverage customer, portfolio, and pricing analytics to support decision making.

• Bachelor's degree in Business, Finance, Economics, Marketing, Banking, or a related field required.
• 5+ years of experience in consumer lending, product management, portfolio management, pricing, finance, analytics, or related banking disciplines.
• Experience in Home Equity, mortgage, consumer credit, or secured lending products strongly preferred.
• Experience developing pricing strategies and performance reporting preferred.
• Experience working within a regulated financial institution required.
• Experience working across multiple stakeholder groups and business lines preferred.

• Ability to translate customer needs, market insights, and financial analysis into practical product strategies.
• Strong executive presence and ability to represent the function with senior leaders, field leaders, internal partners, and external stakeholders.
• Ability to navigate complex organizational environments and multiple stakeholder priorities.
• Willingness to travel periodically for meetings, market visits, and industry conferences.
• High degree of professionalism, judgement, discretion, and accountability.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the associate for this job. Activities, duties, and responsibilities may change at any time with or without notice.

Equal Employment Opportunity Information: Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications.