Heloc Jobs (NOW HIRING)

Description

Role Summary

The Private Bank Product Manager is the business owner for Mortgage and HELOC within a broader product domain. This role manages product-level strategy, performance, pricing, competitive positioning, and risk alignment. The Product Manager ensures each product meets client needs, enhances advisor effectiveness, and contributes to Private Bank financial and risk objectives.

Product Managers partner closely with Experience Owners-who handle requirement writing, delivery execution, and testing-while the Product Manager provides business direction, product intent, and prioritization.

Key Responsibilities

Product Strategy & Ownership

- Owns strategy, positioning, and enhancement roadmap for assigned products within the domain.

- Develops product proposals, business cases, and strategic recommendations.

- Ensures product design aligns with client needs, business goals, credit appetite, and market positioning.

- Maintains product policies, procedures, and advisor guidance.

Business Feedback & Market Insights

- Gathers and analyzes advisor feedback, client insights, and competitive trends.

- Identifies gaps and opportunities to enhance product relevancy or competitiveness.

- Converts findings into clear product recommendations and priorities.

Pricing & Profitability

- Conducts pricing analysis and recommends rate, fee, and structural changes.

- Monitors profitability, revenue contribution, and return metrics.

- Ensures pricing actions are aligned with business, liquidity, risk, and market dynamics.

Credit Risk & Portfolio Management

- Partners with Credit to maintain appropriate policy frameworks and underwriting practices.

- Reviews performance metrics, credit trends, and emerging risks for assigned products.

- Supports risk analysis and contributes to policy or guideline updates.

Client Experience & Advisor Effectiveness

- Partners with Experience Owners to ensure product features and enhancements reflect business intent.

- Identifies process friction points and recommends improvements to enhance client experience.

- Ensures advisors have the right tools, materials, and clarity to use the product effectively.

Marketing & Communication

- Works with Marketing to update product materials, client communications, and advisor enablement content.

- Ensures messaging is accurate, compelling, and aligned with product strategy.

Risk Management & Governance

- Ensures products comply with operational risk, fair banking, compliance, and regulatory requirements.

- Maintains documentation and supports audit and risk review processes.

- Tracks issues and ensures remediation activities are completed.

Qualifications

- Experience in product management, lending, deposits, treasury, or private banking.

- Strong analytical, credit, and financial skills.

- Ability to manage cross-functional work and influence stakeholders.

- Clear, structured communication and strategic thinking skills.

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: M-F 8:00-5:00
• in office requirement 4 days per week at location(s) listed

Pay Transparency 

The salary range for this position is $128,000 - 145,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits .

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.