Vista previa generada por IA
Senior Director of Wealth Management Credit Card: Lead product strategy, P&L, compliance, and digital delivery for RBC's high-net-worth clients.
Drive cross-functional initiatives, innovate rewards and risk controls, and shape the future of premium credit card services.
What is the opportunity?
The Senior Credit Card Product Manager, reporting directly to the Head of Digital Banking & Lending, is a strategic and execution-focused leadership role responsible for the end-to-end product strategy, P&L management, and delivery of credit card offerings for RBC Wealth Management's high-net-worth clientele. This leader is accountable for driving competitive positioning, profitability optimization, and seamless client and advisor experiences across all digital channels, while maintaining rigorous compliance and risk management standards.
Credit Card Product Strategy & P&L Management
Own and manage the P&L for the wealth management credit card product suite, including revenue forecasting, expense control, fee optimization, and profitability metrics
Define and execute the strategic roadmap for credit card expansion, identifying and building differentiated offerings (e.g., tiered rewards programs, specialty cards, bespoke features) tailored to HNW client needs
Conduct continuous competitive analysis of the credit card landscape within the wealth management and premium banking sectors to ensure RBC's pricing, features, rewards programs, and capabilities remain best-in-class
Develop and monitor key performance indicators (KPIs) and key risk indicators (KRIs) to assess product health, adoption, profitability, and risk exposure
Manage product pricing, fees, and terms in close coordination with Credit Risk, Treasury, and Compliance teams to balance competitiveness with appropriate risk exposure
Product Execution and Digital Delivery
Champion the successful delivery and execution of credit card products, translating complex business requirements into clear digital specifications for Technology, Operations, and Risk teams
Optimize client and advisor experiences across all channels (digital portals, mobile, advisor desktop) to improve product services, simplify the application and onboarding process, and enhance ongoing support
Manage the full product lifecycle, from strategy and feature development through deployment, adoption, and post-launch monitoring
Lead product enhancements and innovation initiatives to ensure intuitive usability, transparency, and operational efficiency in credit card workflows and client interfaces
Serve as the primary Subject Matter Expert (SME) for credit card products, maintaining deep understanding of industry best practices, regulatory requirements, and emerging market trends
Risk, Compliance, and Field Enablement
Collaborate closely with Credit Risk, Legal, and Compliance teams to maintain full regulatory adherence (e.g., Truth in Lending Act, Fair Credit Reporting Act, credit card regulations, anti-money laundering requirements) while innovating products
Work with the field enablement and sales teams to develop sophisticated training, marketing campaigns, and sales collateral that equip Financial Advisors to effectively position credit card solutions within comprehensive wealth planning strategies
Partner with Operations to streamline back-office processes related to card issuance, activation, support, and dispute resolution, ensuring operational excellence and client satisfaction
Establish and monitor risk controls, fraud mitigation strategies, and compliance protocols to protect the firm and its clients
Cross-Functional Leadership and Vendor Management
Lead cross-functional initiatives involving Technology, Operations, Risk, Compliance, and Finance teams to bring new products and enhancements to market
Evaluate, select, and manage vendor relationships for credit card processing, issuing platforms, and rewards program services, ensuring alignment with strategic goals and cost efficiency
Communicate product vision, strategy, and technical requirements clearly to executive leadership, technology partners, and field advisory groups
Conduct market research to identify emerging opportunities in the HNW credit card space and potential competitive threats
Must-Have
Minimum 8 to 12 years of progressive experience in financial services, with substantial focus on credit card product management, consumer lending, or wealth management product delivery
Deep, hands-on knowledge of credit card products, including card design, rewards programs, application processes, underwriting integration, fraud prevention, and client servicing
Demonstrated experience managing and optimizing P&L for a credit card or credit product line, including revenue, cost, and profitability metrics
Proven track record delivering and enhancing products through advisor and client-facing digital channels
Demonstrated ability to develop long-term product strategy and directly lead the cross-functional execution required to bring products to market and achieve business growth targets
Exceptional ability to communicate product vision and technical requirements to executives, technology teams, and field advisory groups
Nice-to-Have
Advanced degree (e.g., MBA) or relevant industry certifications (e.g., Certified Product Manager, Credit Risk certification)
Direct experience managing a credit card platform or card origination system, particularly in integration with wealth management custody or advisory platforms
Familiarity with the high-net-worth market, private banking, or wealth management product ecosystems
Experience with fraud prevention and risk management technologies in card processing
Prior experience working in a high-touch, advisor-driven distribution model within wealth management
What’s in it for you?
We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.
A comprehensive Total Rewards Program include competitive compensation and flexible benefits, such as 401(k) program with company-matching contributions, health, dental, vision, life, disability insurance, and paid-time off.
Leaders who support your development through coaching and managing opportunities.
Ability to make a difference and lasting impact.
Work in a dynamic, collaborative, progressive, and high-performing team.
Opportunities to do challenging work.
Opportunities to build close relationships with clients.
The expected salary range for this particular position is $140,000-$230,000, depending on your experience, skills, and registration status, market conditions and business needs.
You have the potential to earn more through RBC’s discretionary variable compensation program which gives you an opportunity to increase your total compensation, provided the business meets its performance targets and you meet your individual goals.
RBC’s compensation philosophy and principles recognize the importance of a highly qualified global workforce and plays a critical role in attracting, engaging and retaining talent that:
Drives RBC’s high-performance culture
Enables collective achievement of our strategic goals
Generates sustainable shareholder returns and above market shareholder value
Job Skills
Ciclo de vida del desarrollo de productos, Diseño de caso de negocio, Fabricación de producto, Metodología de desarrollo de productos, Modelo en cascada, Organización de conocimiento, Orientado a los resultados, Pensamiento crítico, Pruebas de producto, Servicios de producto
Address:
6000 FAIRVIEW ROAD:CHARLOTTE
City:
Charlotte
Country:
Estados Unidos
Work hours/week:
40
Employment Type:
Full time
Platform:
WEALTH MANAGEMENT
Job Type:
Regular
Pay Type:
Salaried
Posted Date:
2026-07-17
Application Deadline:
Note : Applications will be accepted until 11:59 PM on the day prior to the application deadline date above
Our Employment Opportunities
At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.
Join our Talent Community
Join our Talent Community Stay in-the-know about great career opportunities at RBC. Sign up and get customized info on our latest jobs, career tips and Recruitment events that matter to you. Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at jobs.rbc.com .