Senior Lead Product Manager, Deposit Pricing & Liquidity Strategy

Quick Facts

• Role: Senior Lead Product Manager for deposit pricing and liquidity strategy
• Team scope: End-to-end payments, data, liquidity, and related lending solutions
• Focus: Deposit portfolio optimization and pricing governance

Description

You will lead deposit portfolio optimization initiatives to improve balance sheet outcomes and support enterprise liquidity objectives. The role owns the deposit pricing approach and governance, using deposit behavior and interest rate sensitivity analytics to guide portfolio and funding decisions. You will translate enterprise funding goals into actionable pricing, product, and portfolio strategies while partnering across Treasury, Finance, ALM, Product, Risk, and Relationship Management.

Responsibilities

• Support strategic management of the wholesale deposit portfolio aligned with enterprise funding, liquidity, and balance sheet objectives
• Develop portfolio strategies to optimize deposit mix, funding value, profitability, and balance durability across client segments
• Own deposit pricing frameworks, guardrails, rate-setting methodologies, and competitive positioning
• Analyze deposit portfolio performance including beta behavior, interest rate sensitivity, client balance migration, and funding economics
• Develop forecasts, scenario analyses, and executive recommendations for changing market and rate environments
• Partner with Treasury Management and Coverage teams to increase operational deposits and deepen primary banking relationships
• Identify opportunities to grow low-cost, relationship-based deposits and improve operating account penetration
• Collaborate with Treasury, Finance, and Asset Liability Management teams to align deposit initiatives with enterprise funding plans, liquidity requirements, FTP methodologies, and interest rate risk objectives
• Support ALCO discussions through portfolio insights, analytics, and strategic recommendations
• Serve as a trusted advisor to senior leadership on deposit strategy, pricing actions, market trends, and portfolio performance
• Lead cross-functional initiatives across Product, Treasury, Finance, Risk, and Technology

Requirements

• 7+ years of Product Management, product development, strategic planning, process management, change delivery, or agile product owner experience (or equivalent via work experience, training, military experience, or education)
• 5+ years of experience managing deposit portfolios, funding strategies, or balance sheet optimization initiatives
• Experience developing pricing strategies and product management frameworks within financial services

Benefits

• Health benefits
• 401(k) plan
• Paid time off
• Disability benefits
• Life insurance, critical illness insurance, and accident insurance
• Parental leave
• Critical caregiving leave
• Discounts and savings
• Commuter benefits
• Tuition reimbursement
• Scholarships for dependent children
• Adoption reimbursement