Deposit Product Manager

Description

• Bachelor’s degree in Marketing, Business, Finance, or related field preferred.
• Minimum 5 years of experience in product management or portfolio management in financial services
• Proven success working with deposit pricing, product profitability, or consumer financial products.
• Analytical proficiency with strong comfort in data interpretation, segmentation, and forecasting.
• Strong verbal and written communication skills; able to influence across teams without formal authority.
• Familiarity with deposit regulations, disclosure requirements, and compliance considerations.
• Experience collaborating with Finance and Marketing on product initiatives, pricing, and promotions.

• Execute the strategic direction for the consumer deposit portfolio, ensuring products remain competitive and aligned with member needs.
• Maintain a forward-looking roadmap for enhancements, new offerings, and modernization initiatives.
• Assess market trends, competitor movements, rate shifts, and member behavior to identify opportunities or vulnerabilities.
• Translate research and insights into actionable proposals for product changes, new features, or pricing adjustments.
• Ensure deposit products support Clearview’s liquidity, growth, and member-relationship goals.

• Partner with Finance to design, evaluate, and recommend deposit pricing strategies rooted in margin management, competitive positioning, and member value.
• Provide analysis and recommendations for ALCO, including rate sensitivity, deposit mix shifts, profitability, concentration risk, and scenario impacts.
• Conduct recurring and ad-hoc analytics on product performance, funnel metrics, retention patterns, and segment behavior.
• Monitor profitability across deposit products; develop tactics when performance deviates from plan.

• Lead the strategy and roadmap for deposit promotions, ensuring offer design aligns with financial targets, growth priorities, and member value.
• Define offer structures, incentives, qualification criteria, and expected outcomes, grounding decisions in data, operational feasibility, and competitive insights.
• Partner with Marketing to shape targeting, positioning, messaging, and multi-channel execution, ensuring product content is accurate, compliant, and member-ready.
• Coordinate promotion timing, operational setup, and launch readiness across cross-functional teams to ensure smooth delivery and consistent member experiences.
• Measure performance—lift, ROI, CPA, efficiency, and member behavior—and provide insights that refine future promotions and strengthen acquisition and engagement strategies.

• Ensure deposit offerings meet regulatory standards related to pricing, disclosures, advertising, and product features at launch and on an ongoing basis as changes occur.
• Partner with Compliance and Legal to review new initiatives, product changes, and updates throughout the product lifecycle.
• Develop, maintain, and update internal documentation, product guides, and training materials for Retail, Contact Center, and Digital channels.
• Ensure operational and frontline teams are prepared for product launches, promotions, pricing updates, and ongoing product changes.
• Partner with the Sales Department to ensure employee incentives, lead programs, and sales performance align with product strategy and growth goals.

• Support organizational initiatives and represent the Product Strategy team on cross-functional projects.
• Model Clearview’s commitment to culture, communication, member experience, and community engagement.
• Perform other duties as assigned.

• Strategic, Member-Focused Thinking – Understands how deposit products affect member relationships and long-term value.
• Advanced Analytical Acumen – Able to interpret complex data sets and communicate insights clearly.
• Industry & Competitor Awareness – Monitors credit union and community bank trends, regulatory changes, and technology shifts.
• Cross-Functional Leadership – Builds trust, alignment, and momentum across teams.
• Execution Discipline – Moves initiatives from concept to delivery while maintaining accuracy and compliance.
• Communication Excellence – Simplifies complexity for leadership, partner teams, and front-line staff.
• Endorse and embrace Clearview’s Commitment to Leadership which outlines management expectations for culture, communication, employee development, managing effectiveness, and community engagement
• Support Clearview’s Commitment to Diversity, Equity & Inclusion by welcoming and embracing the unique differences of others, treating others fairly and equitably, and creating an inclusive experience where others feel respected and valued; Understand and believe a diverse workplace is essential to the company’s vision and success