Product Manager

Where Banking Feels Like Belonging

At APGFCU, our values are at the heart of everything we do, empowering us as leaders in the credit union movement. We prioritize purpose and connection in how we serve our members, co‑workers and communities — helping to navigate life’s little and big moments.

The Lending Product Manager is responsible for the performance, profitability, and strategic direction of the credit union’s Credit Card, Consumer Lending, Home Loans, and Commercial Loans portfolios. This role is not a technical product manager position. Instead, it focuses on market analysis, portfolio performance, pricing optimization, credit trends, and member/business value creation.

The Lending Product Manager partners closely with Consumer Lending, Mortgage, Commercial Lending, Marketing, Finance, Risk, Branch Leadership, and Digital Channels to ensure lending products meet the member’s needs, support business growth, and stay competitive in the market.

• Own the product lifecycle for Credit Cards, Consumer Lending, Home Loans, and Commercial Loans from concept through retirement.
• Develop and execute strategies to drive portfolio growth, product usage, and member/business value.
• Conduct competitive market research on rates, fees, terms, promotions, and lending trends across all three lending areas.
• Identify opportunities to expand or refine products based on consumer, homeowner, and business needs.

• Monitor performance metrics for Credit Cards, Consumer Lending, Home Loans, and Commercial Loans, including volume, yield, profitability, delinquency, and charge offs.
• Recommend pricing, terms, and promotional strategies that improve product and portfolio performance.
• Partner with Finance to model projected impacts on pricing adjustments or new product introductions.
• Analyze trends across auto, personal loans, credit cards, mortgages, home equity, small business loans, and commercial real estate.

• Collaborate with Marketing on campaigns and communication strategies tailored to consumer, homeowner, and business audiences.
• Work with Lending Operations, Mortgage Operations, and Commercial Lending teams to enhance processes and member/business experience.
• Partner with Risk and Compliance to ensure all lending products align with regulatory requirements and credit policy.
• Coordinate with Data & Analytics to build reporting and dashboards for each lending category.

• Maintain accurate product documentation, disclosures, policies, and marketing assets for all three lending groups.
• Present regular performance updates and strategic recommendations to leadership.
• Support digital and branch channels with product training, rollout coordination, and performance insights.
• Ensure product delivery is consistent across channels and aligned with the credit union’s service standards.

Responsible for completion of applicable training and compliance on federal regulations and APGFCU policies and procedures as related to the duties of this position (Bank Secrecy Act, Information Security as examples, if applicable).

• Bachelor’s degree in business, Finance, Economics, Marketing, or related field.
• 3‑5+ years of experience in product management, lending operations, portfolio management, or financial services.
• Strong analytic skills; ability to interpret financial, performance, and risk data for all lending segments.
• Experience developing pricing or competitive strategies.
• Ability to lead cross‑functional work without direct authority.
• Excellent written and verbal communication skills.

• Experience in Credit Card, and other lending products like Consumer Lending, Mortgage Lending, or Commercial Lending.
• Familiarity with credit risk metrics and underwriting concepts across multiple lending lines.
• Understanding of digital lending environments and member/business journey design.

• Not a technical PM role.
  • No responsibility for system architecture, APIs, or software development planning.
  • No backlog ownership or participation in sprint…