Senior Product Manager - Consumer Checkout, POS Lending

Us Bank; Charlotte (NC); On-site; USD 127,000 - 149,000; Full time

Benefits offered by this job

Healthcare (medical, dental, vision)

401(k) and employer-funded retirement

Paid vacation and holidays

Parental leave and disability benefits

Job summary

U.S. Bank is seeking a Senior Product Manager for the Avvance Consumer Checkout experience. You will lead the vision, roadmap, and delivery of consumer financing at checkout, including application, option presentation, acceptance, and communications.

You will also define API capabilities for partner integrations and oversee cross-functional teams. You will collaborate with Experience Design, Technology, Legal, Compliance, Risk, Marketing, Analytics, and Operations to ensure a seamless, compliant

Qualifications

• Five or more years of Product Management experience driving digital products and customer experiences.
• Experience owning product strategy, roadmap, prioritization, and delivery for customer-facing digital products.
• Experience leading an agile product delivery team and managing a product backlog from discovery through implementation and optimization.
• Strong analytical and problem-solving skills using data and customer insights.

Responsibilities

• Own the product vision, strategy, roadmap, and outcomes for the Avvance Consumer Checkout experience across U.S. Bank and partner journeys.
• Develop understanding of the point-of-sale lending journey from application to disclosures, acceptance, and communications.
• Define outcomes and OKRs and translate strategy into prioritized features and delivery plans.
• Lead a cross-functional agile team, prioritizing backlog and partnering with Design and Technology.
• Champion the consumer experience using research, analytics, funnels, and experiments to improve conversion.

Skills

Product Management

Agile / Scrum

Data-driven decisions

Cross-functional collaboration

Job description

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills and discover what you excel at—all from Day One.

As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other.

Job Description

Product Managers at U.S. Bank are customer obsessed in driving product vision, strategy, planning, and development to deliver on our human + digital product strategy while staying ahead of evolving customer, business, technology, and market needs.

This Senior Product Manager will lead the Consumer Checkout experience for Avvance, U.S. Bank’s point-of-sale lending solution. The role is responsible for creating simple, intuitive, and transparent consumer financing experiences across the checkout journey, including application, loan option presentation and selection, acceptance, and consumer communications.

The Product Manager will own experiences delivered directly by U.S. Bank while also helping define the capabilities and APIs that enable partners to embed Avvance financing into their own checkout experiences.

As the Senior Product Manager for Avvance Consumer Checkout, you will:

• Own the product vision, strategy, roadmap, and outcomes for the Avvance Consumer Checkout experience, balancing consumer needs, business objectives, partner needs, regulatory requirements, and technology considerations.
• Develop a deep understanding of the point-of-sale lending journey, including application, decisioning touchpoints, loan option presentation and selection, disclosures, acceptance, and consumer communications.
• Define product outcomes and OKRs and translate strategy into prioritized features, epics, and actionable delivery plans.
• Lead the product direction of a cross-functional agile/scrum team, owning backlog prioritization and partnering closely with Design and Technology throughout discovery, development, launch, and ongoing optimization.
• Champion the consumer experience by using customer research, behavioral analytics, funnel performance, experimentation, and other insights to identify friction and continuously improve conversion and customer outcomes.
• Think across both U.S. Bank-owned and partner-embedded experiences, defining scalable capabilities and API requirements that allow partners to effectively integrate Avvance into their checkout journeys.
• Maintain sufficient technical fluency to understand APIs, services, data flows, system dependencies, technical trade-offs, and how front-end experiences connect to underlying platforms.
• Collaborate across Experience Design, Technology, Legal, Compliance, Risk, Marketing, Analytics, Operations, and other Product teams within Avvance and across U.S. Bank to deliver connected customer experiences.
• Proactively identify and manage dependencies, risks, and trade-offs, driving decisions and alignment across stakeholders.
• Define and monitor product performance metrics, analyze customer and business data, and translate insights into product priorities, recommendations, and measurable improvements.
• Clearly communicate product strategy, priorities, decisions, progress, and outcomes to stakeholders and senior leaders.
  

Basic Qualifications

• Five or more years of Product Management experience, or equivalent experience leading complex digital products and customer experiences.
• Experience owning product strategy, roadmap, prioritization, and delivery for customer-facing digital products.
• Experience leading an agile product delivery team and managing a product backlog from discovery through implementation and optimization.
• Strong analytical and problem-solving skills with demonstrated ability to use data and customer insights to make product decisions.
  

Preferred Skills/Experience

• Experience with digital checkout, consumer lending, payments, financial services, e-commerce, embedded finance, or similar transaction-oriented customer experiences.
• Experience with consumer journeys involving application, eligibility or decisioning, presentation of financing options, disclosures, acceptance, and communications.
• Experience defining or managing API-based products, partner integrations, embedded experiences, or platform capabilities.
• Strong technical fluency with APIs, application architecture, system dependencies, data flows, and integration patterns.
• Experience using customer research, behavioral analytics, funnel analysis, experimentation, and performance measurement to improve digital experiences.
• Experience collaborating across Technology, Experience Design, Legal, Compliance, Risk, Marketing, Analytics, Operations, and Product teams in a complex or regulated environment.
• Strong ability to navigate ambiguity, make informed trade-offs, influence stakeholders, and communicate effectively with technical teams, business partners, and senior leaders.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $126,820.00 - $149,200.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.