Product Manager – Savings ALM

Jobtailor; Frankfurt; Vor Ort; EUR 90.000 - 135.000; Vollzeit

Zusammenfassung

Jobtailor in Frankfurt is seeking an experienced Senior Product Manager to lead savings products strategy and portfolio development. You will own the vision, pricing, and roadmaps while coordinating with Business, IT, Risk, and Finance teams to ensure value delivery.

The role requires deep ALM understanding, data-driven decision making, and strong stakeholder engagement in an international banking context.

Qualifikationen

• Extensive product management experience in banking or savings.
• Strong ALM knowledge and risk management.
• Proven data-driven decision making with large datasets.
• Fluent English and good German.

Aufgaben

• Define and own the product vision and roadmap for savings products.
• Develop pricing strategies and terms; enhance portfolio.
• Manage backlog, translate epics into features and user stories.
• Collaborate with cross-functional stakeholders across Business, IT, Operations, Risk, Finance, and international partners.

Kenntnisse

Product management

ALM

Data analysis

Stakeholder management

Agile

Ausbildung

University degree in Economics

Banking qualification

Tools

SQL

Python

R

Excel

Jobbeschreibung

• Define and own the product vision and short- and long-term roadmap for savings products and services
• Develop pricing strategies and product terms and conditions, and further enhance the product portfolio
• Manage, prioritize, and track the product backlog, translating epics into features and user stories
• Develop and evaluate business cases, forecasts, performance analyses, and data-driven insights
• Analyze market, competitive, and industry trends
• Coordinate complex cross-functional initiatives from conception through implementation
• Define and monitor business value potential
• Prepare business requirements and collaborate with Business, IT, Operations, Risk, Finance, and national and international stakeholders
• Support squads with feature implementation and manage complex epics, dependencies, and impediments
• Design, implement, and optimize processes
• Assume responsibility within the First Line of Defence and assess financial and non-financial risks
• Serve as a point of contact for external partners and service providers
• Own the business contribution to ALM steering and replication management
• Review modeling assumptions for savings products and manage calibrations and recalibrations
• Use backtesting, sensitivity analyses, and scenarios
• Develop quantitative options with Treasury for replication and hedging decisions
• Evaluate options based on net interest income, margin effects, risk, stability, cost, liquidity, customer impact, and operational feasibility
• Prepare recommendations for Asset & Liability Review and ALCO
• Ensure consistency between pricing decisions, commercial planning, customer behavior models, and ALM replication
• Collaborate within the governance model with Business, Treasury, and Risk

Requirements

• University degree in economics, business administration, finance, mathematics, or a comparable field; banking qualification or equivalent professional experience
• Extensive product management experience, ideally in banking, savings, or deposit business, with a strong understanding of the entire product life cycle
• Solid understanding of the relationships between business requirements, processes, data, and technology, with the ability to bridge Business and IT
• Confident stakeholder management skills, including engagement with senior management, and the ability to balance competing interests
• Strong analytical skills and experience working with large volumes of data
• Experience in projects, programs, or agile product organizations, as well as expertise in prioritization, roadmap, and backlog management
• Fluent written and spoken English and good German language skills
• In-depth knowledge of Asset & Liability Management (ALM), replication of non-maturing deposits, IRRBB, interest rate risk management, and hedging decisions
• Ability to assess model assumptions and quantitative results and interpret sensitivities and scenarios
• Experience in data analysis, model calibration, backtesting, or behavioral modeling
• Practical understanding of delta hedging and dynamic hedging
• Proficiency with quantitative tools and large datasets; advanced Excel skills required; SQL, Python, R, or comparable analytical tools are an advantage
• Ability to present complex analyses to Treasury, Risk, Finance, senior management, and decision-making committees

Core Competencies

Demonstrates expertise in product management within the banking sector, focusing on savings products and services, with strong analytical skills for data-driven decision-making and stakeholder engagement. Proficient in Asset & Liability Management (ALM) and capable of bridging business and IT requirements effectively.

Highest-signal resume keywords

• Product Management Experience
• Asset & Liability Management (ALM)
• Data Analysis and Model Calibration
• Stakeholder Management Skills
• Agile Product Organization Experience

ATS Optimization Keywords

Hard Skills

• Product Life Cycle Management
• Pricing Strategy Development
• Business Case Evaluation
• Backtesting and Sensitivity Analysis
• Quantitative Analysis
• Model Calibration
• Interest Rate Risk Management
• Hedging Decisions
• Process Design and Optimization
• Forecasting and Performance Analysis

Soft Skills

• Confident Stakeholder Engagement
• Analytical Thinking
• Cross-Functional Collaboration
• Communication Skills
• Problem-Solving

Certifications & Qualifications

• University Degree in Economics
• Banking Qualification

Industry Keywords

• Savings Products
• Deposit Business
• Financial Risk Assessment
• Market Analysis
• Competitive Analysis

Tools & Technologies

• Advanced Excel
• SQL
• Python
• R
• Quantitative Tools