Role Summary
The Private Bank Product Manager is the business owner for Mortgage and HELOC within a broader product domain. This role manages product-level strategy, performance, pricing, competitive positioning, and risk alignment. The Product Manager ensures each product meets client needs, enhances advisor effectiveness, and contributes to Private Bank financial and risk objectives.
Product Managers partner closely with Experience Owners—who handle requirement writing, delivery execution, and testing—while the Product Manager provides business direction, product intent, and prioritization.
Key Responsibilities
Product Strategy & Ownership
- Owns strategy, positioning, and enhancement roadmap for assigned products within the domain.
- Develops product proposals, business cases, and strategic recommendations.
- Ensures product design aligns with client needs, business goals, credit appetite, and market positioning.
- Maintains product policies, procedures, and advisor guidance.
Business Feedback & Market Insights
- Gathers and analyzes advisor feedback, client insights, and competitive trends.
- Identifies gaps and opportunities to enhance product relevancy or competitiveness.
- Converts findings into clear product recommendations and priorities.
Pricing & Profitability
- Conducts pricing analysis and recommends rate, fee, and structural changes.
- Monitors profitability, revenue contribution, and return metrics.
- Ensures pricing actions are aligned with business, liquidity, risk, and market dynamics.
Credit Risk & Portfolio Management
- Partners with Credit to maintain appropriate policy frameworks and underwriting practices.
- Reviews performance metrics, credit trends, and emerging risks for assigned products.
- Supports risk analysis and contributes to policy or guideline updates.
Client Experience & Advisor Effectiveness
- Partners with Experience Owners to ensure product features and enhancements reflect business intent.
- Identifies process friction points and recommends improvements to enhance client experience.
- Ensures advisors have the right tools, materials, and clarity to use the product effectively.
Marketing & Communication
- Works with Marketing to update product materials, client communications, and advisor enablement content.
- Ensures messaging is accurate, compelling, and aligned with product strategy.
Risk Management & Governance
- Ensures products comply with operational risk, fair banking, compliance, and regulatory requirements.
- Maintains documentation and supports audit and risk review processes.
- Tracks issues and ensures remediation activities are completed.
Qualifications
- Experience in product management, lending, deposits, treasury, or private banking.
- Strong analytical, credit, and financial skills.
- Ability to manage cross-functional work and influence stakeholders.
- Clear, structured communication and strategic thinking skills.
Hours & Work Schedule
- Hours per Week: 40
- Work Schedule: M-F 8:00-5:00
- in office requirement 4 days per week at location(s) listed
Pay Transparency
The salary range for this position is $183,000 - 223,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.
We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits .
About UsEqual Employment Opportunity
Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.
Equal Employment and Opportunity Employer
Job Applicant Data Privacy Policy
Background Check
Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.
Skills Required
- Experience in product management, lending, deposits, treasury, or private banking
- Strong analytical skills
- Strong credit skills
- Strong financial skills
- Ability to manage cross-functional work and influence stakeholders
- Clear and structured communication skills
- Strategic thinking skills
Citizens Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Citizens and has not been reviewed or approved by Citizens.
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Parental & Family Support — Policies include six weeks of fully paid parental leave for all parents, up to 16 weeks for birthing parents, 10 days of emergency back‑up care, and adoption assistance of more than $25,000. Recognition for adoption support underscores a strong family‑friendly posture.
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Leave & Time Off Breadth — Time off includes 11 paid holidays and up to 27 PTO days. The breadth of leave is presented as generous versus many peers.
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Healthcare Strength — Medical, dental, and vision options pair with an HSA that includes a company contribution, plus mental‑health access via Spring Health (eight no‑cost sessions), Hinge Health, wellness programs, and discounted gyms. Eligibility at 20+ hours per week broadens access to these resources.
Citizens Insights
What We Do
As one of the oldest and largest financial services firms in the United States with a history dating back to 1828, we’re committed to providing solutions and expertise that support our customers, clients, colleagues, and communities in what’s next on their own unique journey. We invest in the humans who build the logic, ideas, and innovations that bring new technologies to life. Investments in AI, cloud computing, machine learning and automation provide our engineers the tools that enable us to remain competitive and win in today’s environment. At Citizens, we recognize that the journey to accomplishment is no longer linear and that individuals are made of all they have done and all they are going to do. Whether you’re considering banking with us or looking to work with us, you’ll find a customer-centric culture and a supportive, collaborative workforce at Citizens. You’re made ready and so are we. If you're ready to advance your career in technology and security, learn more about opportunity's Citizens offers here: https://jobs.citizensbank.com/digital-transformation
Why Work With Us
We empower the colleagues that power our tech. With growth & upskilling opportunities and sought-after benefits, plus a diverse culture of people and perspectives, we help our colleagues achieve career goals. Because innovation can’t happen without the minds and hearts of our people. Technology is constantly evolving, and we believe you can too.
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