The Manager, Lending Strategy & Product Management is responsible for overall lending product definition and strategy, including all phases of the product lifecycle – design, development, testing, rollout, and ongoing support – as well as pricing, fee structure, financial performance, and risk and control processes. This role reviews/modifies existing lending portfolio and products, and proposes new products, to ensure we are successfully addressing member needs. They are expected to stay up to date with financial industry trends, related regulatory standards, and market competition. This role provides business and financial analysis needed to evaluate and monitor the enterprise lending portfolio, assess new strategic initiatives and product opportunities, and trouble-shoot issues within the lending product portfolio. Lastly, they collaborate with multiple WPCU departments including Credit, IT, Operations, Finance, Marketing, Member Center Network, Member Help Center, Legal and Compliance. 1) Lending Portfolio(s) Growth - (25%) a) Contributes to the growth goals of the lending portfolio by understanding, identifying, and daily management of products available in the various WPCU markets and acquisition channels (including physical locations and digital). b) Executes on approved business plans and strategic initiatives. c) Drives lending acquisition within all member personas while assessing and controlling the appropriate risks to the credit union. 2) Product Strategy / Design / Development / Pricing - (25%) a) Oversees, directs development, and defines success metrics of lending product strategy and features for LOC, mortgages, business lending, credit card, auto loans, personal loans, specialty loans, and other lending products as applicable. b) Captures and assesses industry and member insights, over time, to modify the vision and three-year product roadmap as necessary for continuous improvement. c) Serves as a Subject Matter Expert (SME) for all lending products and associated fees; Includes applicable policies, operations, and technologies integral to delivering those products to members. d) Analyzes, manages, and recommends lending product pricing and fee structures, and monitors revenue drivers to help ensure new and existing products meet profitability goals. e) Ensures lending products are properly designed to be available to members via all service delivery channels including member center locations, digital presence (online and mobile), and telephony. 3) Industry Data / Member & Partner Feedback – (15%) a) Develop processes and tools for collecting, analyzing, and reporting on industry trends and competitor data to interested parties. b) Understands competitor marketing approaches and go-to-market strategies, and work with the Marketing team to adjust or add to WPCU’s stated plans in affected markets. c) Collaborate with and solicit Member Center Network and Member Help Center partner feedback to help identify product enhancement opportunities, uncover hidden member needs, and align business goals to the ongoing lending product roadmap. 4) Collaboration / Coordination with Others (15%) a) Partners with WPCU Marketing to ensure we are meeting Financial Flexibility and Freedom (FF&F) and Member Financial Well-Being (MFWB) goals to ensure all members can become more financially secure. Also, work with Marketing on competitive positioning, development of relevant marketing materials, customer segmentation analysis, and product testing for new/changed products. b) Coordinates with Learning & Development, Member Center Network, Member Help Center, and other departments to ensure member and partner training materials are accurate and/or updated as new products and features are introduced / eliminated. c) Collaborates with Service Excellence to review feedback associated with NPS surveys and escalated customer complaints, and address areas where lending product gaps are noted as detractors to extraordinary service. d) Teams up with the various Gallup Think Tanks to review feedback associated with Gallup surveys that involve how the member’s feel about WPCU and our ability to improve them financial well-being. e) Manages third-party vendors associated with delivery of lending products and services, continuously review their roadmaps, evolve the lending business strategy to incorporate new features, and support daily operational needs as warranted. f) Partners with PMO, Retail Services, and other departments on lending-related projects and owns / represents lending products on key WPCU tactics. 5) Compliance and Risk Management – (10%) a) Works with the Compliance department to ensure related state and federal regulations, credit union policies and management practices, and company standards are met in area of responsibility. b) Ensure all pertinent notifications to members and relevant to lending products are revised and accurate according to product updates and regulatory needs (Account Agreement and Disclosures, Change in Terms, etc.). c) Ensures proper management practices, policies, procedures, risk mitigation activities, and operating controls are followed. Reports any gaps in policies, procedures, and operating controls to appropriate leadership to ensure member impact and enterprise risks (e.g., financial, operational, transactional, and reputational) are mitigated. d) Monitors and revises lending product fee assessment and refund policies (as well as associated internal procedures) to ensure balanced, fair treatment occurs to members of the credit union. 6) Data Analysis, Presentations, and Budgeting – (10%) a) Participates and recommends product pricing decisions for all lending products as an engaged member of the Product Pricing Team (PPT). b) Acts as the backup to the CSO for monthly Asset and Liability Management Team (ALMT) meetings. c) Advises senior leadership on key business decisions and major change initiatives related to lending acquisition, growth strategy, and related strategic planning activities. d) Develops and delivers C-suite and other senior leader level presentations, communications, reporting regarding strategy, product changes and recommendations along with regular project status updates for efforts this role champions. e) Creates analytical insights by using existing reporting or creating new reporting; Makes written and oral recommendations on where to act based on those insights to help achieve established goals. f) Prepares, plans, presents, and participates in the annual and ongoing project planning and budgeting sessions. g) Engages with Finance to ensure the ongoing performance tracking and success measurement of lending products and related financial goals. Required Skills 1) Bachelor's degree or equivalent, practical experience in product strategy development is required. 2) 10+ years of experience in any combination of product management, product development, corporate strategy, strategic finance, or management consulting roles within financial services. 3) Demonstrated experience with lending product development and pricing – for LOC, mortgages, auto loans, credit card, refinance, business loans, and other personal lending. 4) Proven proficiency to oversee and manage all elements of the product development lifecycle. 5) Ability to self-manage and prioritize multiple initiatives with competing business and technical priorities. 6) Capability to thrive in a fast-paced environment while maintaining strong relationships with business partners and cross-functional stakeholders. 7) Demonstrated ability to learn, apply, and adhere to federal and state regulations/laws, as well as internal credit union policies and management practices as they pertain to lending products. 8) Demonstrated ability to think strategically and tactically; can analyze, reason, problem solve, and prioritize work independently. 9) Competency at analyzing complex business processes and situations, and ability solve problems and/or design recommendations to improve results. 10) Excellent verbal and written communication, organizational, and member service skills required and ability to interface with others positively and professionally. 11) Proficiency with the Microsoft Office Suite including Excel, Word, PowerPoint, and Teams. Required Experience