Senior Product Manager - Unsecured Lending

Overview

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career.

Try new things, learn new skills and discover what you excel at—all from Day One.

• Operate as a P&L owner for assigned products, requiring deep expertise of the key drivers of the application funnel, credit losses, expenses, and bottom-line profitability.
• Manage the end-to-end product lifecycle and identify product enhancements that increase originations or product profitability through collaboration with marketing, branch sales, and underwriting.
• Optimize pricing, promotions, and credit policy to drive origination growth and maximize return‑on‑assets for existing products.
• Conduct competitive intelligence to ensure product competitiveness and to measure market share trends.
• Design and launch new products that meet well‑defined customer needs and create competitive differentiation for U.S. Bank.
• Define and communicate the product vision, design, and business case.
• Launch new partnerships (e.g., our existing partner Wisetack) that bring incremental unsecured lending distribution opportunities for U.S. Bank.
• Work openly and collaboratively as the product owner to ensure all stakeholders—including risk, finance, treasury, sales, marketing, and delivery—understand the product vision, financial goals, and long‑term roadmap.

• Product management experience.

• 5–10 years’ experience in banking product management, preferably with credit products.
• Knowledge of the industry and competitive trends driving unsecured lending growth and market expansion over the past 10 years.
• Experience managing product P&L, product strategy, vision and planning, performance measurement and optimization, marketing and analytics, customer centricity.
• Strong financial background with demonstrated mastery of the levers that drive credit product profitability.
• Ability to anticipate shifting market priorities, internal and external customer needs in a manner that consistently adds value.
• Strong customer centricity to implement strategies and techniques used to ensure that customers have a positive experience with the organization’s products and services at every touch point.

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short‑term and long‑term disability
• Pregnancy disability and parental leave
• 401(k) and employer‑funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

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U.S. Bank is an equal‑opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. U.S. Bank participates in the U.S. Department of Homeland Security E‑Verify program in all facilities located in the United States and certain U.S. territories. The E‑Verify program is an Internet‑based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA).

In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, RegZ, RegG, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.