Merrick Bank employees share in our mission to delight our customers and empower underserved consumers to achieve their credit goals. In return, we delight our associates; ensuring they are noticed, heard, appreciated and understand the importance of their role(s). For over 20 years, our Guiding Principles of; doing the right thing, putting the customer first, and Earn, Learn, Have Fun (aka E.L.F.), have defined who we are as an Employer of Choice. Give Yourself Credit, Work at Merrick!

Digital Product Manager (DPM) – Credit Card, supports the vision of the Digital Product Team throughout the Bank. The purpose of this position is to deliver an enhanced Credit Card digital platform and service experience for bank products, teams, services, and business units. Engaging with our internal customers, users, partners, and stakeholders this person will increase collaboration and deliver a best in class solution. The DPM will also work closely with executives, business unit leaders, risk, compliance, legal, engineering/development teams and others to translate the requirements of our financial products into enterprise-level technology solutions. The DPM cares deeply about understanding what customers really need and they are excited about creating value and building an exceptional workflow and user experience.
The ideal candidate should enjoy solving complex problems with innovative and scalable solutions. They will work collaboratively with other Digital Product Managers and cross-functional teams to deliver new products and programs. They will use their technical background and knowledge of our products, platforms, and user experiences to assist in making the best technological decisions and support the long-term sustainable evolution of our products.
The DPM is a strategic thinker, and can work hand in hand with product owners to prioritize and define product roadmaps, manage product backlogs, make quick decisions and coordinate the team to release quality products within planned timelines.

Essential Functions:

• Works closely with multi-discipline feature teams to develop a customer centric and data-driven approach to product development.
• Advocates for the user throughout the product development lifecycle, and breaks down and simplifies complex processes and touchpoints to deliver exceptional experiences. The DPM is a great team member that has solid technical expertise and experience working with product owners, software developers, users, customers and stakeholders to capture requirements, document use cases, write acceptance criteria, and other means used to communicate the ideal user experience
• Works with teams across different geographical regions and time zones will be critical to the success of this role. Identifying and solving complex issues quickly and turning them into simple, intuitive, and elegant solutions is the goal of the role.
• Ensures delivery of high-quality software and systems within the product while managing trade-offs between speed-to-market and technical debt reduction
• Creates clear and consistent product briefs, outlining the different paths and exceptions, success criteria, and go-to-market plans.
• Gains insights and provides recommendations to leadership for the evolution of new products and/or product changes
• Envisions and builds out proof of concepts ideas which potentially will be used for enhancements or new solutions
• Performs technical reviews of potential 3rd party partner solutions and their viability within the Bank Ecosystem
• Manages and reports on product performance to cross-functional areas
• Develops new / enhances existing capabilities for Merrick Bank’s credit card business that impact customer experience, product value proposition and financial results
• Maintains technical product ownership of aspects of card functionality, such as transaction authorization, payment acceptance, online portal, etc...
• Works with business leads to define business requirements, develop design documentation, and collaborate with technology team on technical specifications
• Owns end to end the functionality development from ideation to production release, orchestrating cross-functional resources to achieve implementation.
• Possesses a strong technical background and judgment to evaluate solutions, assess risks, anticipate bottlenecks, provide critical issue management, make trade-offs, and help balance the business needs versus technical constraints
• Performs other duties as assigned or needed

Compliance with Laws & Regulations:

• Responsible for complying with all of the Bank’s internal control policies and procedures.
• Responsible for understanding and complying with all laws and regulations to which the Bank is subject.
• Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.

Education and Experience:

• Bachelors’ degree is required, four (4) years’ experience accepted in lieu of education requirement.
• Five (5) years’ experience in technical product management, ideally in consumer finance is required.
• Considers themselves an over-communicator with a proven ability to collaborate effectively with various stakeholders within highly matrixed environment.

Summary of Qualifications:

• Understanding of modern platform structures, cloud architectures, digital platforms and enablers, and data strategy considerations in order to bring the technical expertise to the product ownership discussion is required.
• Proven track record of working with internal business partners to define and document new features.
• Experience managing and prioritizing feature backlog, coordinating, testing, and delivering new functionality on time and within budget.
• Comfortable with tracking expenses and managing budget.
• “Can Do” attitude and creative problem solver to overcome obstacles as they arise.
• Fintech experience is preferred.
• Firm knowledge of SaaS, internet technologies, browser technologies, web apps, and mobile apps.
• Deep understanding of Agile Scrum and Agile Kanban methodologies, roles, and ceremonies.
• Passion for technology and a strong sense of ownership.
• Champion for new ideas and how to implement them
• Excellent communication skills both verbal and written, with the ability to translate stakeholder needs.
• Ability to foster positive and collaborative relationships with the business line functions and the technology organization.
• Ability to work on own initiative and exercise own judgment with discretion.
• Ability to multi-task, deal with work within tight/conflicting deadlines and prioritize work appropriately.
• Excellent planning and project management skills and ability to deliver work to specified timescales.
• Experience capturing customer / user requirements, creating use cases, writing user stories.
• Experience facilitating requirements gathering sessions with customers, users, internal teams, stakeholders, etc.

Who is Merrick Bank? Founded over 20 years ago, Merrick Bank is a FDIC-insured Utah Industrial Loan Bank that originates loans with the benefit of low-cost deposit funding. Merrick Bank had $4.5 billion in assets and $3.1 billion in deposits as of March 31, 2021. Merrick Bank operates four main business lines: Credit Cards, Recreation Lending, Personal Loans and Merchant Acquiring.

Our Valued Employees are provided generous benefits, including:

• Competitive Pay
• Benefits Package -Medical, Dental and Vision (plus much more)
• 401(k) Plan with Company Match
• Short & Long Term Disability
• Group Life and AD&D Insurance
• Paid Vacation, Holidays, and Personal Days
• Employee Events, including Employee Appreciation Day, Holiday Party, etc.
• Tuition Reimbursement Program

Candidates must have unrestricted authority to work in the United States without sponsorship.

Merrick Bank is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status, and other legally protected characteristic.
Merrick Bank will do a thorough background check for all hires. The EEOC Law poster is available here: http://www1.eeoc.gov/employers/poster.cfm Please go to our website www.merrickbank.com to apply and learn more about our company.

Job Type: Full-time

Schedule:

• 8 hour shift
• Monday to Friday

Work Location: Hybrid remote in South Jordan, UT 84065

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