Hybrid Lending Portfolio Manager

APGFCU; Edgewood (MD); Hybrid; USD 92,000 - 156,000; Full time

Benefits offered by this job

Medical and dental

Vision

401(k)

Life and disability insurance

Flexible spending account

Employee assistance program

Referral program

Educational assistance

Holidays

Annual leave

Sick leave

Job summary

APGFCU in Edgewood, MD seeks a Lending Product Manager to drive performance and strategy across Credit Cards, Consumer Lending, Home Loans, and Commercial Loans. You’ll shape pricing, analyze trends, and create value for members and the business.

Collaborate with Consumer, Mortgage, Commercial Lending, Marketing, Risk and Finance to align products with regulatory requirements and market needs, delivering data-driven decisions and strong cross-functional execution.

Qualifications

• Bachelor's degree in business, Finance, Economics, Marketing, or related field.
• 3–5+ years of experience in product management, lending operations, portfolio management, or financial services.
• Experience with Credit Card and lending product performance, strategy, analytics, and business outcomes.
• Experience developing pricing or competitive strategies.
• Strong analytic skills; ability to interpret financial, performance, and risk data for all lending segments.
• Ability to lead cross-functional work without direct authority.
• Excellent written and verbal communication skills.
• Hybrid - Must be able to come into the office once a week.

Responsibilities

• Own the product lifecycle for Credit Cards, Consumer Lending, Home Loans, and Commercial Loans from concept through retirement.
• Develop and execute strategies to drive portfolio growth, product usage, and member/business value.
• Conduct competitive market research on rates, fees, terms, promotions, and lending trends across all three lending areas.
• Identify opportunities to expand or refine products based on consumer, homeowner, and business needs.
• Monitor performance metrics for Credit Cards, Consumer Lending, Home Loans, and Commercial Loans, including volume, yield, profitability, delinquency, and charge offs. Recommend pricing, terms, and promotional strategies that improve product and portfolio performance.
• Collaborate with Marketing on campaigns and communication strategies tailored to consumer, homeowner, and business audiences.
• Work with Lending Operations, Mortgage Operations, and Commercial Lending teams to enhance processes and member/business experience.
• Partner with Risk and Compliance to ensure all lending products align with regulatory requirements and credit policy.
• Coordinate with Data & Analytics to build reporting and dashboards for each lending category.
• Complete training and compliance on federal regulations and APGFCU policies.

Skills

Product management

Lending operations

Portfolio management

Financial services

Education

Bachelor's degree (business, finance, economics, marketing, or related)

Job description

APGFCU in Edgewood, MD seeks a Lending Product Manager to drive performance and strategy across Credit Cards, Consumer Lending, Home Loans, and Commercial Loans. You’ll shape pricing, analyze trends, and create value for members and the business.

Collaborate with Consumer, Mortgage, Commercial Lending, Marketing, Risk and Finance to align products with regulatory requirements and market needs, delivering data-driven decisions and strong cross-functional execution.