Product Owner - Deposits Client Journey’s - Citizens

Description


Citizens is seeking a dynamic Product Owner to join the Consumer Bank. The right leader will focus on building and evolving the next generation of digital client journeys for core deposits customers that will lead to world class client experiences and positive business outcomes.



As a Product Owner, you will lead a cross functional team of colleagues to drive the execution of a strategic roadmap, product vision, and end-to-end execution, creating and delivering transformational experiences for Citizens’ retail and small business clients.



Primary responsibilities will be to:





+ Product strategy: Lead the development and execution of product strategies for improving the digital experience, aligning with the bank’s goals and customer needs in partnership with the Deposits line of business. Challenge the status quo in driving innovation and finding sustainable value creation opportunities. Drive short-term objectives and long-term vision fueled by a deep understanding of customer needs.



+ Cross-Functional Collaboration: Collaborate closely with engineering, design, marketing, fraud, risk, and other stakeholders to develop and enhance the digital experience, ensure alignment and successful product delivery and end-to-end experience management across all channels (Digital, Branch, Contact Center).



+ Product Development: Oversee the entire product development lifecycle from concept to launch to ongoing optimization, ensuring high-quality deliverables on time and within budget.



+ User Experience: Champion the user experience, ensuring features are intuitive, user-friendly, and deliver exceptional value to customers. Understand how your products fit into the larger ecosystems and anticipate impacts from changes in other parts of the business, partnering to evaluate tradeoffs of technical decisions and customer experience impacts.



+ Continuous Improvement: Continuously seeking ways to enhance the digital experience through innovation and iteration based on customer feedback and market insights.



+ Market Research: Work with research teams to conduct market research to identify opportunities, assess competition, and gather insights to inform product decisions.



+ Testing and Optimization: Build robust test and learn agendas and analyze user data to optimize the digital experience.



+ Metrics and Analysis: In partnership with the Deposits Line of business, define key performance indicators (KPIs) and analyze product metrics to measure success and drive continuous improvement (e.g., average monthly spend, customer satisfaction scores, feature utilization). Take actions to address any issues or opportunities for improvement, refining your roadmap as the data dictates. Transform customer insights into actionable strategies.



+ Regulatory Compliance: Ensure that the digital experience complies with relevant banking regulations and data privacy laws.



+ Stakeholder Communication: Communicate product plans, progress, and results to executive leadership, stakeholders, and cross-functional teams.



+ Define detailed product features and requirements, ensuring clear and actionable inputs for development teams.



+ Collaborate with technical teams to manage agile planning and implementation processes, ensuring effective execution of project milestones



+ Uses a strong understanding of data, market research, digital, and CX trends, to continuously improve client experiences and organizational outcomes



+ Updates stakeholders on the epic and feature delivery schedule, including dependencies impacting deliverables, along with recommended solutions.



+ Oversees risk management to meet deliverables and ensure regulatory compliance





Experience and Skills





+ 5 years of product, analysis, technology, and/or design experience with previous experience working as a Product Owner in a banking or financial services environment.



+ Proven ability of partnering with risk, controls and governance teams to ensure compliance



+ Strong project management skills and the ability to lead cross-functional teams



+ Demonstrated technical acumen and an ability to work with product, technology, and operational organizations to align product and technology roadmaps



+ Excellent communication skills to articulate product features and benefits to stakeholders and ensure alignment between business requirements and technical implementations



+ Comfortable with ambiguity, leading working autonomously and making independent decisions



+ Strong analytical skills, ability to interpret data and trends, diagnose problems, and recommend action plans to resolve issues



+ Comfortable with fast-paced environments and changing requirements, as well as the ability to think strategically about new product innovations.



+ Self-starter and highly motivated for success



+ Deep understanding of product management methodologies, including Agile, Scrum, and Lean.



+ Proven track record of delivering successful products in a fast-paced environment.



+ Strong leadership and communication skills with the ability to influence and collaborate effectively across functions and levels of the organization. Ability to circumvent roadblocks.



+ Experience with human-centered design ideation and methodologies



+ Analytical mindset with the ability to use quantitative and qualitative data to make informed decisions and drive product improvements



+ Passion for technology, innovation, and beautiful digital customer experiences that are intuitive, seamless, and delightful. Customer-centric approach to product development and problem-solving.





Education & Certificates





+ Bachelor’s degree in a field such as business, computer science, engineering, or other related field





Hours & Work Schedule



Hours per Week: 40



Work Schedule: Monday – Friday. Work outside of normal business hours required.







Pay Transparency



The salary range for this position is $175,000 - $250,000 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 very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.



Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.



Equal Employment Opportunity


At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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.


Equal Employment and Opportunity Employer


Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.


Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth







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.

01/20/2025