Job description

How does this role impact First Command? As part of the enterprise Wealth Solutions team, the Consumer Banking Product Solutions Director is responsible for the strategic direction, performance, and lifecycle management of First Command Bank’s consumer deposit, lending, payment, and related banking product portfolio. In close partnership with First Command Bank line-of-business leadership, this role develops and executes product strategies that support client needs, advisor effectiveness, Bank growth, portfolio profitability, and an integrated enterprise client experience. The Consumer Banking Product Solutions Director serves as the enterprise subject matter expert for consumer banking products, including product design, pricing, competitive positioning, client experience, financial performance, and applicable regulatory requirements. This individual collaborates extensively with Bank leadership, Digital Banking, peer Product Directors, Finance, Marketing, Sales, Operations, Technology, Data and Analytics, Risk, Legal, Compliance, Training, Field Supervision, and field leadership to deliver compelling, compliant, scalable, and profitable solutions for military families and other target client segments. What will the employee do in this role? • Partner with First Command Bank leadership to develop and manage consumer banking product strategies, value propositions, and roadmaps aligned with Bank and enterprise objectives. • Own the lifecycle of consumer deposit, lending, payment, and related products, including business cases, launches, enhancements, performance management, and rationalization. • Assess client needs, competitive dynamics, interest-rate trends, technology developments, and regulatory impacts; translate insights into product priorities and recommendations. • Establish objectives and monitor portfolio growth, balances, utilization, penetration, retention, revenue, margin, and client experience. • Partner with Finance and Bank leadership on pricing, rate structures, forecasts, and profitability strategies that balance client value, competitiveness, risk, and sustainable performance. • Develop strategies to support household acquisition, relationship depth, appropriate cross-sell, share of wallet, and client lifetime value. • Lead cross-functional product launches and enhancements from concept through implementation, communication, training, and post-launch measurement. • Partner with Digital Solutions, Technology, and Operations to deliver intuitive, scalable product experiences and efficient supporting processes. • Evaluate fintech, platform, and third-party opportunities; support due diligence, implementation, service expectations, and ongoing partner performance. • Serve as the consumer banking product subject matter expert for advisor-facing and client-serving teams, providing tools, positioning, training, and escalation support. • Engage advisors, clients, and internal partners to identify service issues, experience gaps, and opportunities to improve product adoption and priority journeys. • Partner with Marketing, Sales, Training, and field leadership on go-to-market plans, campaigns, communications, and field enablement. • Ensure products operate within applicable regulations, Bank policies, risk appetite, and enterprise governance requirements. • Maintain product governance documentation and partner with Risk, Compliance, Legal, Audit, and Bank operations to support risk assessments, examinations, audits, and remediation. • Coordinate with adjacent product leaders to support integrated banking, investment, insurance, annuity, and financial planning experiences. • Provide clear, data-driven product and portfolio updates to executive leaders and governance committees, as appropriate. Qualifications Required • Bachelor’s degree in Business, Finance, Economics, Marketing, or a related field. • 7-10 years of progressive banking or financial services experience, including significant responsibility for consumer banking product management or line-of-business product ownership. • Demonstrated experience managing consumer deposit and lending products; experience with payments, cards, or related consumer banking capabilities is strongly valued. • Strong knowledge of consumer banking economics, pricing, portfolio management, product lifecycle management, and applicable regulatory frameworks. • Demonstrated financial acumen, including experience with forecasting, pricing models, profitability analysis, and performance reporting. • Experience leading complex, cross-functional product launches, enhancements, or strategic growth initiatives in a regulated financial institution. • Exceptional executive communication, analytical, decision-making, influence, and stakeholder management skills. Preferred • Master’s degree, MBA, banking school completion, or relevant industry certification. • Familiarity with asset/liability management, interest-rate risk, credit risk, and balance-sheet dynamics. • Experience with digital banking platforms, fintech partnerships, customer analytics, and client experience research or advisor training. LI-BW3 LI-hyrbid

Requirements

Must-haves

How does this role impact First Command?
What will the employee do in this role?
Partner with First Command Bank leadership to develop and manage consumer banking product strategies, value propositions, and roadmaps aligned with Bank and enterprise objectives.
Own the lifecycle of consumer deposit, lending, payment, and related products, including business cases, launches, enhancements, performance management, and rationalization.
Assess client needs, competitive dynamics, interest-rate trends, technology developments, and regulatory impacts; translate insights into product priorities and recommendations.
Establish objectives and monitor portfolio growth, balances, utilization, penetration, retention, revenue, margin, and client experience.
Partner with Finance and Bank leadership on pricing, rate structures, forecasts, and profitability strategies that balance client value, competitiveness, risk, and sustainable performance.
Develop strategies to support household acquisition, relationship depth, appropriate cross-sell, share of wallet, and client lifetime value.
Lead cross-functional product launches and enhancements from concept through implementation, communication, training, and post-launch measurement.
Partner with Digital Solutions, Technology, and Operations to deliver intuitive, scalable product experiences and efficient supporting processes.
Evaluate fintech, platform, and third-party opportunities; support due diligence, implementation, service expectations, and ongoing partner performance.
Serve as the consumer banking product subject matter expert for advisor-facing and client-serving teams, providing tools, positioning, training, and escalation support.
Engage advisors, clients, and internal partners to identify service issues, experience gaps, and opportunities to improve product adoption and priority journeys.
Partner with Marketing, Sales, Training, and field leadership on go-to-market plans, campaigns, communications, and field enablement.
Ensure products operate within applicable regulations, Bank policies, risk appetite, and enterprise governance requirements.
Maintain product governance documentation and partner with Risk, Compliance, Legal, Audit, and Bank operations to support risk assessments, examinations, audits, and remediation.
Coordinate with adjacent product leaders to support integrated banking, investment, insurance, annuity, and financial planning experiences.
Provide clear, data-driven product and portfolio updates to executive leaders and governance committees, as appropriate.
Bachelor’s degree in Business, Finance, Economics, Marketing, or a related field.
7-10 years of progressive banking or financial services experience, including significant responsibility for consumer banking product management or line-of-business product ownership.
Demonstrated experience managing consumer deposit and lending products; experience with payments, cards, or related consumer banking capabilities is strongly valued.

Nice-to-haves

Master’s degree, MBA, banking school completion, or relevant industry certification.
Familiarity with asset/liability management, interest-rate risk, credit risk, and balance-sheet dynamics.
Experience with digital banking platforms, fintech partnerships, customer analytics, and client experience research or advisor training.

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