Deposits Product Manager Resume Samples

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KL
K Langosh
Kelli
Langosh
11323 Armani Prairie
Phoenix
AZ
11323 Armani Prairie
Phoenix
AZ
Experience Experience
04/2016 – present
San Francisco, CA
Senior Manager Canadian Deposits Product Manager
Senior Manager Canadian Deposits Product Manager
04/2016 – present
San Francisco, CA
Senior Manager Canadian Deposits Product Manager
04/2016 – present
  • Product design – support the ongoing development and refinement of the bank’s deposit product portfolio to anticipate/respond to customer demand, industry trends, and regulatory change, through the provision of analysis and insight of those different sources of information
  • Pricing strategy - undertake analysis and interpretation of product performance information, and external competitor/market performance that supports the development and implementation of pricing strategies for new/existing products/customers to achieve target volumes returns
  • Product performance – develop and maintain dashboards/performance metrics to manage the performance of products, tracking and responding to performance trends. Maintain existing and establish new management information/product performance analytics to support this process
  • Compliance – ensure that all Marketing activities meet both GE and external regulatory standards
  • External Focus
  • Engage in quantitative analyses and assist in developing and maintaining forecasting models that support balance forecast, pricing management and fee income reviews. Actively participate in Deposit Interest Rate Committee that sets interest rates for all deposit products including producing meeting document and post meeting minutes
  • Drive financial analyses, portfolio modeling, opportunity assessments and other product analysis to identify risk/reward opportunities in support of deposit portfolio growth. Maintain reporting that tracks portfolio trends including analytical deep dives to further understand portfolio metrics and establish performance dashboards
Education Education
Bachelor’s Degree in Business
Georgia State University
Bachelor’s Degree in Business
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1

Deposits Product Manager Resume Examples & Samples

  • Product design – support the ongoing development and refinement of the bank’s deposit product portfolio to anticipate/respond to customer demand, industry trends, and regulatory change, through the provision of analysis and insight of those different sources of information
  • Pricing strategy - undertake analysis and interpretation of product performance information, and external competitor/market performance that supports the development and implementation of pricing strategies for new/existing products/customers to achieve target volumes returns
  • Product performance – develop and maintain dashboards/performance metrics to manage the performance of products, tracking and responding to performance trends. Maintain existing and establish new management information/product performance analytics to support this process
  • Treasury funding liaison – work closely with Treasury to analyse portfolio performance, and future funding demands, in order to support the definition of funding targets and associated product requirements/volumes
  • Product operational performance – maintain regular tracking metrics of product performance relative to other market players, making recommendations and supporting the development of initiatives where appropriate to respond to this. Work closely with Deposit Operations team to identify likely impact of different product initiatives on customer services through third party provider
  • Product forecasting/capacity planning – develop and maintain product forecasting and planning tools and analysis, that will enable both the bank and the third party operations partner to establish and maintain satisfactory levels of customer service
  • Customer – ensure appropriate priority is given to customer needs to enable the business to perform in a customer centric manner while adhering to the bank’s Treating Customer Fairly standards at all times
  • Business Planning – undertake planning/forecasting activity that allows the bank to resource plan in order to maintain appropriate customer service levels
  • Compliance – ensure that all Marketing activities meet both GE and external regulatory standards
  • External Focus
  • Identifies clear trends and developments through analysis and able to articulate these
  • Respected for insight brings to the business and way engages to communicate this
  • Influencing and negotiating
  • Understanding of business model
  • Strong risk analysis and risk control skills
  • The suitable candidate will be able to demonstrate an understanding of the need to balance commercial and regulatory risk
  • The role holder will have a proven track record in working within a project team
  • Strong evidence of working with multi-stakeholder teams with internal and external resources
  • Self-motivated individual with the ability to energize others
  • Established credibility and experience interfacing with senior leadership
  • Ability to work under tight deadlines and to prioritize under pressure
  • Proven analytical capability
  • Highly articulate and confident presenter and communicator
  • High level of proficiency in MS Office, Excel, Powerpoint
  • Extensive experience of working in a product function in a retail financial services environment
  • Strong grounding in broad range of product disciplines – product development, performance analytics, pricing and funding strategies, forecasting and planning, compliance, sales strategy planning
  • In-depth knowledge of financial products
  • Exposure to developing and implementing a retail product strategy
2

Senior Deposits Product Manager Resume Examples & Samples

  • Lead strategy and key insight developement for new consumer checking product development and value propositions in alignment with various customer segment strategies and needs
  • Prepare monthly and quarterly business reviews to highlight portfolio profitiability vs plan; progress on strategic priorities; compliance/regulatory activities and competitive trends
  • Oversee all aspects of product management of new/existing checking products and achieve operational excellence with consumer and regulatory views in mind
  • Develop oversight and performance management metrics to efficiently manage / track successful implementation of product development projects
  • Forecast unit sales production, attrition and profitability based on current models as well as macro data
  • Drive the technology requirements for new and existing product enhancements, including appropriate test planning and gating rollout process
  • Lead cross functional teams, including Sales and Marketing, Client Experience, Branch and Call Center Operations, Technology, and Legal and Compliance to ensure flawless and timely delivery of all checking projects
  • Oversight of consumer disclosure and change in terms communication strategies and execution relating to product and policy changes
  • Oversee multiple vendor relationships agreements relating to checking products and services
  • Manage and effectively prioritize work efforts in order to deliver promised results
  • 5 to 10 of experience managing consumer deposit product strategy and development, preferably checking products, in banking/financial services
  • Experience in developing and launching consumer deposit products, required
  • Ability to think/act strategically and deliver business plan goals
  • Strong business management presentation and Powerpoint skills
  • Candidate with MBA preferred, but experience most important
  • Working knowledge of PC (MS Windows and Office Products including Word, Excel, etc)
3

Deposits Product Manager Resume Examples & Samples

  • Responsible for management of the deposit products business, including profitability, partnerships and overall market position. Assists in establishing balance, number of account and revenue goals, acquisition and marketing strategies for target segments. Works closely with other deposit products team members and in collaboration with key internal partners in Branch Division, Alternate Channels, Technology, Marketing, Business Unit Compliance, Corporate Compliance, Legal, Risk and other divisions to support the execution of the business plan
  • Responsible for managing compliance requirements as well as operational, financial and model risk requirements. Partners with Business Unit Compliance, Corporate Compliance, Legal as well as Branch and Alternate Channels Divisions
  • Supports and enables deposit product strategies. Helps create new products and / or modifies existing products in line with business plan and market needs. Implements marketing plans to retain market penetration drive business growth and meet business targets. Works in collaboration with key partners to develop products and strategies to market programs and independently conduct reviews on market trend and competitor activities to identify opportunities. Assists in developing new product ideas and ongoing features/benefits tailored for each target segment
  • Manages customer relations by monitoring client satisfaction and customer complaints. Provides regular reviews and evaluations of issue resolution matters for quality program and product improvements as needed. Develops materials to train and develop frontline staff and other stakeholder groups on products and cross-selling opportunities
  • Establishes budget requirements and ensures financial returns for the business. Completes financial analyses, portfolio trends, opportunity assessments and other product analysis to identify risk reward opportunities and support continued profitable growth of the deposit portfolio
  • Executes requirements to support business, including system conversions, vendor management, including, but not limited to review of vendor services and contracts
4

Senior Manager Canadian Deposits Product Manager Resume Examples & Samples

  • Product Management: Design, Development, Implementation and Promotion
  • Identify and lead product and service initiatives that focus on maintaining or enhancing our competitive position, growing the balance sheet profitably, and deepening customer relationships
  • Proactively identify opportunities to support business line efforts to achieve their business objectives and ensure alignment of initiatives with GTB and Bank strategies
  • Identify and monitor industry trends and developments for applicability to the Canadian markets
  • Analyze customer, product and competitive data, identify trends and execute opportunities to improve product profitability, product mix, net interest income and non-interest revenues, and reduce costs
  • Evaluate and develop potential new products, enhancements, trends, positioning alternatives, and product distribution systems
  • Assess and resolve highly complex issues and interdependencies (product, channel, process and system) to effectively and efficiently deliver initiative projects
  • Influence business partners in efforts to deliver projects that maximize profit and/or strengthen the customer experience
  • Lead revenue initiative projects and achieve planned revenue targets
  • Manage the portfolio to ensure liquidity and funding needs for the Bank are met by working closely with business line teams and Group Treasury
  • Provide input and support to reduce portfolio costs and maximize profitability, liquidity and low cost funding to the Bank
  • Manage analytical resources, prepare effective employee and customer communications on pricing changes, and deliver through appropriate internal and external channels
  • Participate with GTB relationship management in business performance review calls to update on economic environment, business trend, large deal gain / loss, strategy updates and maintain positive ongoing relationships
  • Business Operation Management, Process Improvement, and Communication
  • Identify product education needs and deliver multi-channel programs for GTB Sales and business line sales teams to accelerate sales growth and meet customer needs
  • Review/analyze performance of existing product line to ensure performance is meeting expectations and goals will be met
  • Identify innovative product development opportunities, prepare opportunity assessments to articulate the business concept, and obtain stakeholder buy-in
  • Develop and review comprehensive business requirements for new or enhanced product/operational/systems development
  • Prepare compelling business cases documenting the business concept and cost/benefit, and obtain executive approval
  • Lead project teams and take responsibility for achieving specific milestones to ensure targets are met
  • Lead the development of systems and operational changes that result in increased sales capacity or assist in better meeting the needs and expectations of target customer segments
  • Develop promotional plans and marketing material to effectively position deposit products and accelerate sales
  • Evaluate progress of projects, and identify and resolve issues to ensure objectives are met or surpassed
  • Effectively communicate product updates through publication channels to ensure effective delivery of new and/or enhanced products, programs, and processes to the sales force
  • Improve the underlying delivery procedures and programs of the deposits business with a view to enhancing business line efficiency
  • Manage the implementation of pricing strategies with consideration for the customer experience and legal/compliance requirements,
  • Support the GTB Portfolio Management group in establishing pricing strategy for underlying products, including assessing price leadership, price elasticity issues and cross-product substitution issues
  • Provide expertise (product/channel/policy/process/system) and guidance to sales staff and distribution channels to drive deposit sales
  • Support the development, maintenance and use of product and process measurement tools and models to align sales objectives
  • Oversee the management, design, development and implementation of business policies and procedures in order to mitigate operating risk and protect the Bank's legal interests (privacy, disclosure, ABBS, AML etc.)
  • Business Plans & Strategy
  • Develop business plans, including initiative roadmaps, and contribute to developing the strategic direction of the business
  • Develop mid and long term strategies for product development and optimization
  • Contribute to the annual profit planning process to establish revenue and sales forecasts for all distribution channels and business lines, with guidance from the Director, Portfolio Management, GTB
  • Team Leadership (if applicable)
5

Deposits Product Manager & Analyst Resume Examples & Samples

  • Engage in quantitative analyses and assist in developing and maintaining forecasting models that support balance forecast, pricing management and fee income reviews. Actively participate in Deposit Interest Rate Committee that sets interest rates for all deposit products including producing meeting document and post meeting minutes
  • Drive financial analyses, portfolio modeling, opportunity assessments and other product analysis to identify risk/reward opportunities in support of deposit portfolio growth. Maintain reporting that tracks portfolio trends including analytical deep dives to further understand portfolio metrics and establish performance dashboards
  • Evaluate product features, pricing, rates and terms of existing products and services, and implements changes as appropriate. Maintain awareness of products and marketing techniques of competitors. Collaborate with key partners in deploying new products and strategies that drive product adoption, as well as conduct competitor reviews
  • Assist with managing compliance requirements for the deposit products business, including compliance monitoring, as well as operational, financial, model risk and vendor management requirements. Researches issues and problems, develops and recommends solutions. Maintains market and industry intelligence on current and future trends and best practices. Drafts and/or reviews written materials including deposit-related circulars, SPMs, marketing collateral, statement messages and inserts, customer notification, disclosures, forms, and collateral
  • Minimum 7+ years of relevant experience in increasingly responsible positions in banking or financial services industry (with exposure to deposit products), product management, analytics and/or product marketing or equivalent work experience
  • Process/project management experience and working knowledge of relevant banking compliance regulations required
  • Demonstrated proficiency with personal computers in a networked environment and Microsoft applications (Outlook, Word, Excel, PowerPoint and Access) or similar software
  • Requires intermediate/advanced work sheet skills (pivot tables, charts/graphs, complex formulas with nested expressions, lookups combined with other functions, experience managing large data files, etc.)
  • Strong analytical bent and business acumen with the ability to comprehend pricing and balance sheet performance and aid in analytics to recommend the optimal product and pricing strategy to meet Line of Business objectives
  • Solid verbal and written communication and presentation skills, with the ability to communicate complex concepts, business strategies and project plans clearly and concisely
  • Able to work effectively with management and staff across multiple divisions
  • Must demonstrate ability to work independently, think critically, prioritize work and effectively manage multiple products and projects in an environment with changing priorities
  • Able to work flexible hours including holidays, weekends and evenings as needed or assigned
  • Must be able to provide own transportation or to operate a vehicle with a valid driver’s license and ability commute as required
  • Must be able to travel by air
6

Deposits Product Manager Resume Examples & Samples

  • Seven years related experience in product management OR line experience working with products
  • Ability to gather and synthesize ideas in developing and managing products
  • Bachelor’s degree in Business, Finance, Marketing