The Emerging Payments Product Portfolio Manager is responsible for directing and leading product line strategy and business planning activities on services including Credit cards, Debit cards, ATMs, and related businesses to meet the company's strategic objectives.  This position is responsible for the development and prioritization of cohesive business strategies, roadmaps, and action plans in coordination with various stakeholders (Digital, Sales, Marketing, Legal, Compliance, and Executive) and technology providers weighing competing factors and objectives using real-world user data, customer feedback, and metrics on assigned products.  This leader is expected to ensure the product and service team’s vision is consistently articulated and updated during the product life cycle and coordinate with financial, operational, and forecast planning peers and partners to ensure units meet defined growth, enhancement, and budget objectives.

ESSENTIAL DUTIES & RESPONSIBILITIES:

Leads and directs the long-term vision and strategy for Emerging Payment’s products and services, regularly communicating this strategy to all relevant participants and stakeholders.  Consults regularly with other product management leadership teams, segment leaders, and technology service providers to understand their strategic plan, goals & business issues.

• Directs activities to drive results contained in the operating plan: achievement of growth objectives including penetration, activation, usage rates, revenue, profit and return on investment for related channels/categories of business and/or key customers.
• Directs data analysis efforts across various and disparate information sources and teams; including customer and product line system data sets, to develop financial, market, and trend analysis to be used by business line leadership in critical decision making.
• Optimizes business performance and intelligence through the design, build, and updating of KPI (Key Performance Indicators) and KRI (Key Risk Indicators) dashboards that provide meaningful insights into the results for campaigns, initiatives, or market benchmarking.
• Aligns with Product Development, Card Services Management, Customer Experience, and Risk Management to ensure consistency and continuity in business delivery and management.
• Responsible for managing and implementing marketing plans through research, strategic planning and implementation. Leads and provides oversight for creative process from concept, to design, sample production, testing, forecasting, costing, mass production, promotion, and support.
• Directs product managers, marketing, and bank partners to identify relationship build opportunities or generate customer acquisition leads that drive market awareness and support execution towards business revenue and profit goals.
• Assist with analyzing product and customer utilization to develop campaigns and tactics that will improve business performance through incremental purchases, card reactivation, rewards engagement, and balance transfers.
• Analyzes market opportunities, industry trends, and competitor pricing to acquire, retain and grow bank relationships.
• Develops new processes, services, products to meet changing market climate, maximize efficiencies, or mitigate risks for debit, credit, and/or ATM products directing detailed workflow analysis of each function as part of subsequent re-engineering efforts.
• Work with external vendors to obtain card program data and to assess partnerships and opportunities.

Carries out supervisory responsibilities in accordance with the organization's policies, procedures and applicable laws; Provides guidance and oversight to and is responsible for the coordination and evaluation of the assigned team. Responsibilities may include interviewing, hiring and training associates; planning, assigning and directing work; performance management; associate compensation; approving expense reports; addressing concerns and resolving problems.

• 10 years’ management experience in the banking industry in a product or marketing analytics capacity
• Bachelor Degree in Finance, Economics, Mathematics, Business, Marketing, or related field required (MBA Preferred) or equivalent work experience in card services portfolio management, bank card services strategic planning, or enterprise level project management; or equivalent combination of education and experience.
• Working knowledge of key processing systems, including but limited to TSYS (TS1 or TS2), ACI Postilion/Base24, First Data/Star, VISA, VISA, NCR, MasterCard, and related card and rewards products
• Thorough knowledge of digital and card payment products, deposit products and applicable policies and standards.  Understands government regulations and legal requirements involving ACH, Reg B, Reg Z, Reg E, the CARD act, Gramm-Leach Bliley, TCPA, FDCPA, and other privacy related laws, FCRA, and the Bank Secrecy Act.  Partner with Legal and Compliance to interpret regulatory and industry changes to determine impact of applicable business unit areas.
• Strong persuasive skills with influence of cross-organizational teams to modify client experience
• Creative and analytical problem solving with process orientation and client focus
• Experience in analytics to develop strategy, solutions, and actionable insights to outcomes
• Fluency in Customer Experience frameworks and measurement
• Fluency in analytics and non-survey based research
• Strong interpersonal and communication skills, oral and written, as well as ability to successfully interact and influence all levels of management and staff
• Experience in project management and client survey tools with advanced knowledge of Excel and Word

ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:

• Ability to travel if required to perform the essential job functions
• Ability to work under stress and meet deadlines
• Ability to operate  related equipment to perform the essential job functions
• Ability to read and interpret a document if required to perform the essential job functions
• Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions.  If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.