Associate Director, Consumer Lending Product Management, State Street, Boston, MA

　　Boston, United States of America

　　USA Job Function Description: Oversees all activities and functions associated with products or product lines at all stages of their lifecycles. Gathers user requirements to provide product strategy and execution. Interfaces with and collaborates across functions and stakeholders (e.g., IT, Digital, Marketing, credit risk, L&C, sales) to ensure successful product development and implementation. Develops action plans to improve conversion and credit risk performance including collections. Plans product direction and evolution.

　　Essential Functions/Responsibilty Statements:

　　Oversees the strategic product management for an assigned product lines in support of the organization's goals and market needs. Responsible for meeting product profit and growth goals.

　　Oversees the evaluation of market trends, product development, product position and credit performance.

　　Optimize origination conversation

　　Improve Collections performance

　　Recommends enhancements to product lines to stimulate sales and meet objectives.

　　Manages design, development, implementation and enhancement of new or existing product features supporting organization and business line objectives.

　　Manages the development and maintenance of competitive analysis and market research of competing products and services to identify customer needs and trends.

　　Manages the on-going research to track, monitor and analyze product credit performance, profitability.

　　Manages the development of collateral material, advertising, promotional programs, sales training programs, operational procedures and systems requirements to ensure that sales departments are provided with appropriate sales, merchandising and administrative tools.

　　Reviews strategic product and market perspectives; evaluating long term effects and anticipating changes.

　　Reviews risk data related to product lines and ensures risks are effectively monitored and managed.

　　Ensures products meet state and Federal regulatory requirements and coordinates legal re-view of all supporting collateral materials and documentation.

　　Plans, develops and controls project/product budget.

　　Qualifications:

　　To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

　　Education:

　　Bachelor's Degree or equivalent work experience in Computer Science, Statistics, Computer, Engineering,, Finance or equivalent field. (Req)

　　Work Experience:

　　Related work experience., +8 years (Req) in Consumer Banking more specifically in Product Management. Lending Products is preferable.

　　Skills and Abilities:

　　Strong product management, design and development skills

　　Strong knowledge of product/program development, pricing, implementation and strategic analysis

　　Demonstrated management, leadership and interpersonal skills

　　Thorough knowledge of competitive market, operations and various products and services within assigned area

　　Advanced oral and written communication skills

　　Strong financial and competitive analysis and PC skills

　　Credit Risk and Underwriting management

　　Diversity & EEO Statements: At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. We actively encourage everyone to apply.

　　Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

　　Working Conditions: Frequent Minimal physical effort such as sitting, standing and walking. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders.

　　Employer Rights: Employer Rights:This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate at any time for any reason.

　　English

　　Primary Location: Boston, MA, Boston

　　Other Locations: Massachusetts-Boston,Texas-Austin,Florida-Tallahassee,Rhode Island-Providence

　　Organization: Santander Bank N.A.

　　AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO