Consumer Banking Product Manager

Location: This position can be located at any Seacoast Bank office within the state of Florida.

Position Summary:

The Consumer Product Manager is responsible for the strategic development, management, and performance of consumer banking products, including checking, savings, CDs, lending, money movement, and related services. This role drives product innovation, customer experience enhancements, and profitability through data-driven insights, market analysis, and cross-functional collaboration.

Key Responsibilities:

• Product Strategy & Development


• Define and execute product strategies aligned with customer needs and business goals.
• Lead the development and launch of new consumer banking products and features.
• Monitor industry trends and competitor offerings to identify opportunities and risks.


• Portfolio Management


• Manage the lifecycle of consumer deposit products, ensuring competitiveness and compliance.
• Optimize pricing, features, and positioning to drive growth and retention.
• Analyze product performance metrics and recommend improvements.


• Customer Experience & Innovation


• Partner with UX, digital, and operations teams to enhance customer journeys.
• Champion customer feedback and insights to inform product decisions.
• Drive digital transformation initiatives within the consumer product suite.


• Product Quality Assurance


• Establish and maintain quality standards across all consumer banking products.
• Collaborate with operations and technology teams to ensure defect-free products
• Implement continuous improvement processes based on testing outcomes
• Monitor post-launch performance to proactively identify and resolve quality issues.


• Cross-Functional Leadership


• Collaborate with marketing, compliance, legal, finance, and technology teams.
• Develop go-to-market plans and support product campaigns.
• Ensure regulatory compliance and risk management across all product initiatives.


• Financial Performance


• Own product P&L, including revenue, cost, and profitability targets.
• Develop business cases for new initiatives and track ROI.

Qualifications:

• Bachelor's degree in Business, Finance, Marketing, or related field required, (MBA preferred).
• 3+ years of experience in product management, preferably in consumer banking or financial services required.
• Strong understanding of retail banking products, customer behavior, and market dynamics.
• Proven ability to lead cross-functional teams and manage complex projects.
• Excellent analytical, communication, and strategic thinking skills.
• Experience with digital banking platforms and fintech partnerships is a plus.

Preferred Skills:

• Familiarity with product development methodologies.
• Proficiency in data analysis tools (Tableau, SAS, etc.).
• Proficiency in Microsoft Office tool set (PowerPoint, Word, Excel).
• Knowledge of regulatory requirements impacting consumer banking.

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.

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