Consumer Banking Product Manager | Growth & Innovation

Union Bank of the Philippines; Hinoba-an; Hybrid; PHP 1,000,000 - 2,000,000; Full time

Job summary

Union Bank of the Philippines seeks a Product Manager to lead development, enhancement, and lifecycle management of consumer banking products. You will identify customer needs, drive product innovation, and collaborate with Sales, Marketing, Operations, Technology, Risk, and Compliance to deliver competitive solutions in a regulated environment.

You will oversee end-to-end lifecycle, analyze market trends, and ensure regulatory and risk requirements are met while driving profitability and growth.

Qualifications

• Bachelor's degree in Business Administration, Finance, Marketing, Economics, Management, or related field.
• Experience in product management, retail banking, consumer lending, digital banking, or related financial services functions.
• Strong understanding of consumer banking products, customer behavior, product development methodologies, and portfolio management.
• Knowledge of BSP regulations, consumer protection requirements, AML/KYC standards, and Philippine banking industry practices.
• Strong analytical, project management, stakeholder management, and problem-solving skills.
• Excellent communication and presentation skills with the ability to influence across teams and senior stakeholders.

Responsibilities

• Develop and execute product strategies for consumer banking products, including deposits, loans, credit cards, digital banking, payments, and other retail banking solutions.
• Manage the end-to-end product lifecycle from concept development, market assessment, business case preparation, launch, and post-implementation review.
• Analyze customer insights, market trends, competitor activities, and emerging technologies to identify growth opportunities and enhance customer experience.
• Collaborate with cross-functional teams to design, implement, and improve product features, processes, and customer journeys.
• Monitor product performance, profitability, portfolio growth, and utilization metrics, recommending actions to improve results.
• Prepare product proposals, pricing recommendations, and business cases for management approval.
• Ensure compliance with BSP regulations, consumer protection standards, AML/KYC requirements, and internal policies throughout the product lifecycle.
• Lead product launch activities, including operational readiness, staff training, marketing support, and stakeholder communications.
• Work closely with technology and operations teams to implement process improvements and digital transformation initiatives.
• Manage customer feedback, complaints, and product-related issues to improve service delivery and customer satisfaction.
• Support strategic initiatives and projects that contribute to the bank's consumer banking growth objectives.
• Prepare management reports, product reviews, portfolio analyses, and recommendations for senior leadership.

Skills

Product management

Retail banking

Digital banking

Stakeholder management

Regulatory compliance

Education

Bachelor's degree in related field

Job description

Union Bank of the Philippines seeks a Product Manager to lead development, enhancement, and lifecycle management of consumer banking products. You will identify customer needs, drive product innovation, and collaborate with Sales, Marketing, Operations, Technology, Risk, and Compliance to deliver competitive solutions in a regulated environment.

You will oversee end-to-end lifecycle, analyze market trends, and ensure regulatory and risk requirements are met while driving profitability and growth.