Lead product strategy and teams for digital originations and onboarding across consumer and small business products. Drive commercial outcomes (conversion, funded accounts, activation), manage roadmaps, partner with Risk/Compliance/Tech/Marketing, and deliver funnel analytics and dashboards to optimize acquisition and early relationship growth.
Job Summary & ResponsibilitiesPreferred Qualifications
Responsibilities include but are not limited to:
- Commercial Digital Product Leadership
- Build, lead, and develop a team of Product Owners, Product Managers, and Analysts across digital originations and onboarding, with clear ownership by domain.
- Foster a results driven culture focused on commercial outcomes such as funded accounts, conversion, activation, and early relationship growth, rather than feature delivery.
- Establish clear roles, decision rights, and operating rhythms to enable accountability and execution. Develop product leaders who pair strong product craft with commercial judgment and represent the function as a senior leader in executive forums, cross functional planning, and external partnerships.
- Digital Originations: Consumer & Small Business
- Own the strategy, roadmap, and commercial performance of digital originations across the full consumer and small business portfolio, including deposits, cards, loans, mortgages, and small business banking.
- Drive accountability for application volume, conversion, funded accounts, and acquisition cost. Continuously optimize funnels by reducing friction, minimizing drop offs, and improving speed and transparency.
- Partner with Risk, Compliance, Credit, and Technology to ensure compliant, scalable solutions, informed by regular benchmarking against banks and fintech competitors.
- Valley Direct
- Provide strategic oversight of Valley Direct as a core direct to consumer acquisition channel. Hold the channel accountable for application volume, funded accounts, acquisition cost, and deposit growth, and partner with Marketing to ensure competitive positioning, compelling offers, and alignment with enterprise acquisition strategy.
- Onboarding: Activation & Early Relationship Growth
- Own onboarding as a commercial growth lever, focused on activating clients and accelerating relationship depth. Set and manage targets for onboarding completion, early feature adoption, and 90 and 180 day cross sell. Design personalized onboarding journeys by product, segment, and behavior, and ensure a seamless transition from origination through early engagement.
- Partner with Marketing, Analytics, and business leaders to drive early revenue and retention.
- Funnel Intelligence & Performance Management
- Own end to end funnel measurement from prospect to funded, activated, and deepened relationships. Establish clear targets, ownership, and review cadence at each stage.
- Deliver dashboards and reporting that provide leadership with real time visibility into funnel performance, unit economics, and early relationship health, supported by advanced analytics and behavioral insight.
Required Skills:
- A growth and sales mindset: you think about digital origination and onboarding as a revenue function, and you build teams that do the same.
- Funnel fluency: deep familiarity with conversion analytics, A/B testing, drop-off analysis, and the discipline of continuous funnel optimization.
- Portfolio-level thinking: able to manage competing roadmap priorities across multiple products and segments, making trade-offs based on commercial impact.
- Strong executive presence: able to set targets, report against them honestly, and build credibility with senior leaders through clarity and accountability.
- Deep understanding of digital originations platforms, API-based decisioning, and agile product delivery at scale.
- Ability to build alignment across Risk, Credit, Compliance, Technology, and line-of-business partners, none of whom report to you.
- A builder's mindset: energized by building organizations and growth engines, not just managing steady-state products.
Required Experience:
- High School diploma or GED equivalent and a minimum of 10 years of experience in digital banking, digital sales, or financial services product management, with at least 4 years leading a team with direct reports.
Preferred Experience:
- Business, Finance, Technology or related field. Master of Business Administration.
- Demonstrated track record of driving commercial outcomes through digital originations or digital sales channels: funded account growth, conversion improvement, or acquisition cost reduction at meaningful scale.
- Deep experience with digital originations and onboarding across consumer banking products; small business experience is a strong plus.
- Proven experience building and developing product organizations oriented around business results, not just capability delivery.
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