Business Product Owner - Digital Banking & Online Account Opening

Business Product Owner - Digital Banking & Online Account

Position Summary:

The Business Product Owner - Digital Banking & Online Account Opening is responsible for the strategic development, enhancement, and management of the credit union's digital banking platforms and online account opening solutions. This role ensures that digital experiences align with business goals, member needs, and industry best practices, driving engagement, acquisition, and retention.

This position serves as the primary business owner for digital banking experiences, including online and mobile banking, money movement, digital engagement features, and the end-to-end online account opening journey. Deep expertise in digital financial platforms, product management, and user experience, ensuring seamless, modern, and competitive digital offerings will benefit this position greatly. The ideal candidate will be passionate about delivering exceptional digital experiences to credit union members.

Essential Duties and Responsibilities:

Digital Banking Product Ownership:

• Own the product roadmap for digital banking, ensuring alignment with strategic goals and member needs.
• Manage enhancements, integrations, and user experience improvements for the credit union's digital banking platform.
• Partner with cross-functional teams, including IT, operations, marketing, risk, and compliance, to deliver a seamless digital banking experience.
• Serve as the primary business liaison with platform vendors and technology partners, ensuring optimal performance, uptime, and innovation.
• Identify and prioritize new features, functionality, and security enhancements to improve engagement and adoption.
• Analyze user behavior, member feedback, and industry trends to guide platform improvements.

Online Account Opening & Onboarding Ownership:

• Own the end-to-end online account opening experience, ensuring a frictionless, efficient, and high-converting process.
• Manage integrations with core systems, fraud prevention tools, and ID verification solutions to optimize onboarding.
• Oversee digital onboarding strategies, ensuring new members receive a guided and personalized experience.
• Work closely with marketing, compliance, and operations to refine application flows and streamline approvals.
• Drive continuous improvements in conversion rates, abandonment reduction, and time-to-fund metrics.

Preferred Platforms & Technology Stack:

• Digital Banking: Preferred platforms include Lumen, Q2, Alkami, and Alchemy.
• Online Account Opening: Preferred platforms include Prelim and Mantl.

Minimum Qualifications:

• Bachelor's degree in Business, Finance, Computer Science, or a related field (or equivalent experience).

Experience:

• 5+ years of experience in digital banking, product management, or fintech-related roles.

Preferred Experience:

• Experience with Lumin Digital, Alkami, Backbase or similar digital banking platforms.
• Experience with Prelim, MANTL or similar platforms for online account opening and onboarding.
• Previous experience in financial services, credit unions, or fintech.

Knowledge, Skills, and Abilities:

• Strong understanding of modern digital banking platforms and online account opening solutions.
• Experience working with APIs, third-party integrations, and digital financial services technology.
• Data-driven mindset with experience analyzing performance metrics and making informed decisions.
• Excellent communication and collaboration skills, with the ability to work cross-functionally.
• Strong understanding of digital security, fraud prevention, and compliance requirements.

Physical Demands and Work Environment:

(The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform essential functions of this position and/or may be encountered while performing essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

• While performing the essential duties of this position, an employee would frequently be required to stand, walk, and sit.
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
• The noise level in the work environment is usually moderate.
• Our company offers a dynamic hybrid work arrangement, which requires three days on-site, in the Sugar Land, TX office. Our retail roles are required to be onsite at the branch locations.

Disclaimer:

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.

Texas Dow Employees Credit Union is an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, protected veteran status, sex, religion, disability, genetic information, national origin or other status protected by federal, state or local law. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.