Business Banking Deposits – Product, Senior Associate

Unleash your expertise in product development and optimization by leveraging user research, customer and product data, journey insights, and technical knowledge to deliver innovative products and experiences across one of the world’s most innovative financial organizations and America’s market leader in Business Banking

As a Senior Product Associate within the Business Banking Deposits team, you contribute to the end-to-end product lifecycle by leveraging your expertise in product development and optimization to make a significant impact. You will support product strategy, define and refine requirements, and use customer feedback, user research, and data to help prioritize work, enhance existing experiences, and identify opportunities for new capabilities.

You will collaborate closely with Product, Engineering, Design, Data, and other cross-functional partners to deliver against the strategic product roadmap. You will also help ensure releases meet high standards for quality, security, resiliency, and scalability while playing an important role in shaping the future and ongoing success of our deposit products.

Job responsibilities

• Partners with the Product Manager to identify and define new product opportunities, features, and capabilities that reflect customer and market needs through user research and discovery.
• Considers and plans for upstream and downstream implications of new product features across the overall customer experience, back-end systems, and product ecosystem.
• Supports user research, journey mapping, market analysis, and end-to-end systems analysis to inform the strategic product roadmap and identify product features that deliver customer value.
• Analyzes, tracks, and evaluates product and agility metrics, including backlog health, story point completion, churn, delivery cost, partner dependencies, and performance against time, cost, and quality targets across the product development lifecycle.
• Facilitates end-to-end User Acceptance Testing for product changes, including evaluating impacts to the customer journey, back-end systems, and Integrated Test Environment cycles.
• Partners closely with Product and cross-functional teams to deliver against the product roadmap and sequence product changes that optimize the customer experience.
• Writes requirements, epics, and user stories to support the discovery, development, and delivery of new product features and capabilities.
• Navigates ambiguous environments using strategic thinking and problem-solving skills to drive clarity, establish direction, and advance product outcomes.
• Applies artificial intelligence-supported customer, market, and product insights to discovery, journey mapping, requirements development, and roadmap recommendations. Tests important assumptions against research and performance data and clearly distinguishes evidence from artificial intelligence-generated interpretation.
• Partners with Product, Design, Data, Technology, Risk, Legal, and Controls teams to document assumptions, assess customer impact, and explain material artificial intelligence-supported recommendations. Recognizes considerations involving fairness, accessibility, consent, privacy, security, and model feasibility.

Required qualifications, capabilities, and skills

• 3+ years of experience or equivalent expertise in product management.
• Proficient knowledge of the product development lifecycle, including discovery, requirements definition, development, testing, and delivery.
• Hands-on experience working alongside development teams and participating in Agile ceremonies.
• Experience in product lifecycle activities, including product discovery and requirements definition.
• Understanding of product testing cycles, requirements, and execution, including User Acceptance Testing.
• Familiarity with existing deposit and money movement functionality.
• Exposure to application programming interface-enabled and cloud-native development frameworks.
• Developing knowledge of data analytics and data literacy, with the ability to use customer, product, and performance insights to support product decisions.
• Excellent communication, influencing, and negotiation skills with the ability to develop and maintain collaborative relationships.
• Experience working across multiple business areas and functions to deliver results.

Preferred qualifications, capabilities, and skills

• Experience working in payments or billing.
• Experience working on zero-to-one product delivery, introducing net-new capabilities and features to users.