Product Innovation Manager

The Product Innovation Manager is individually responsible for, or manages a team that is responsible for, driving the conceptualization, development, and launch of cutting-edge financial technology products. They will explore emerging trends, identify market opportunities, and collaborate with cross-functional teams to secure buy-in for innovative initiatives that position the company as a leader in the space. They will be (or become) a subject matter expert in financial technology, financial products and regulatory frameworks. Acting as a key customer advocate, they will champion user-centered design principles and agile processes to enhance customer experience. USA Job Family Description: Researches, develops and implements competitive pricing programs and/or banking products and services for various lines of business to appropriately price based on risk, deposit, or credit goals while maintaining profitability. Continuously monitors the market and competitor strategies to ensure pricing is in line to provide consumers and/or clients a fair price while maintaining market share and/or deposit levels. Plans, directs and facilitates all phases of the pricing strategy changes from inception through introduction into the marketplace. Ensures products meet regulatory and industry standards. USA Job Function Description: Researches, develops and implements competitive banking products and services for the consumer, small business and corporate markets to maximize profits. Translates technological advances and consumer needs into usable and marketable products. Plans, directs and facilitates all phases of the product life cycle, from inception through introduction into the marketplace. Ensures products meet regulatory and industry standards. Essential Functions/Responsibility Statements: Aides in the identification and evaluation of emerging technologies—such as AI, automation, and blockchain—to address customer needs and capitalize on new market opportunities. Conceptualizes and prototypes new product ideas, leveraging data-driven insights, customer feedback, and industry research. Collaborates with internal teams—including other product groups, compliance, marketing, operations and sales—to ensure product viability and alignment with business objectives. Develops compelling business cases and secures stakeholder buy-in for innovative initiatives. Assists in developing and keeping current all product documentation. Monitors current and future regulatory trends and requirements. Serves as a customer advocate, demonstrating deep customer empathy to design innovative solutions that reduce cognitive load and empower users to achieve rapid success. Researches and keeps current competitive analysis information.