Senior Product Manager – HNW Lending

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Senior Product Manager – HNW Lending

senior · Technology / Software Development

Job Description

What is the opportunity?

The Senior Product Manager – HNW Lending leads a cross-functional agile team within Banking & Lending Digital Products to deliver innovative HNW lending solutions. You will drive the next phase of growth across Securities-Based Lending (SBL), Tailored Lending, and Mortgage product lines by building, maintaining, and enhancing lending platforms that address target audience needs while advancing product strategy and vision. This role is accountable for product innovation, platform reliability, and business performance across the HNW lending portfolio.

What will you do?

1. Product Strategy & Vision

• Define, socialize, and evolve the future-state product roadmap based on market needs, stakeholder input, technical feasibility, and business priorities
• Envision and architect new lending platforms and enhancements to existing solutions that deliver measurable value to clients, advisors, and internal users
• Drive the next phase of growth across SBL, Tailored Lending, and Mortgage product lines while maintaining competitive positioning in the HNW market

2. Cross-Functional Collaboration & Organizational Alignment

• Partner with design, research, technology, legal, risk, and compliance teams to make informed product decisions and drive alignment across functional groups
• Work across RBC business units to deliver a seamless, integrated OneRBC lending experience that strengthens customer engagement and brand consistency
• Lead cross-functional agile initiatives involving product, engineering, UX, operations, risk, and compliance teams to bring new products and enhancements to market

3. Requirements Definition & Evidence-Based Design

• Translate business needs into clear, actionable requirements in collaboration with technology, business, and control partners
• Conduct end-user research and leverage data analysis to validate assumptions, inform requirements, and guide wireframe design
• Regularly present findings, progress updates, and recommendations to key stakeholders including senior leadership and product governance forums

4. Process Optimization & Platform Reliability

• Collaborate with legal, compliance, risk, technology, and operations teams to identify inefficiencies, streamline workflows, and enhance lending product processes
• Identify, diagnose, and collaborate with technology teams to resolve technical issues and system errors impacting lending platform performance
• Participate in User Acceptance Testing (UAT) and Post-Implementation Validation (PIV) testing to ensure solutions meet business requirements and deliver quality outcomes

5. Backlog & Roadmap Stewardship

• Actively review and curate backlog items, prioritize against roadmap, retire outdated items, and clarify ambiguous requirements by engaging original submitters
• Maintain product backlog health and ensure clear prioritization aligned with strategic objectives and business targets
• Balance innovation initiatives with operational excellence and technical debt management

6. Vendor Partnership & Third-Party Integration

• Engage and coordinate with external vendors to evaluate solutions, manage integrations, and support product delivery timelines
• Assess vendor capabilities against product requirements and ensure seamless integration with existing lending platforms
• Manage vendor relationships to drive cost efficiency and product quality

7. Business Performance & KPI Management

• Deliver against agreed business targets and key performance indicators to ensure product success and ROI realization
• Monitor product health through KPIs and KRIs (e.g., adoption rates, application completion rates, loan approval rates, system performance)
• Conduct post-launch analysis and continuous monitoring to validate product assumptions and drive iterative improvements

What do you need to succeed?

Must-Haves

• Experience: Minimum 5 to 8 years of progressive product management experience in financial services, with substantial focus on lending, payments, or wealth management products
• Product Expertise: Deep, hands-on knowledge of HNW lending products, including Securities-Based Lending, mortgages, and/or tailored lending offerings; familiarity with loan origination, underwriting, and servicing workflows
• Agile & Cross-Functional Leadership: Demonstrated ability to lead and collaborate with cross-functional teams in an agile environment; experience managing product through development cycles from conception to deployment
• Digital Platform Experience: Proven track record building or enhancing digital platforms for advisor and/or client-facing channels (portals, mobile, desktop platforms)
• Requirements Definition & Design: Strong ability to translate business requirements into technical specifications, participate in design activities, and drive evidence-based product decisions
• Stakeholder Communication: Exceptional ability to present findings, articulate product vision, and influence cross-functional teams and senior leadership
• Analytical & Problem-Solving: Strong analytical skills with ability to use data to inform decisions, troubleshoot issues, and optimize processes

Nice-to-Haves

• Advanced degree (e.g., MBA) or relevant certifications (e.g., Certified Product Manager, Six Sigma)
• Direct experience with loan origination systems (LOS) or lending platforms
• Familiarity with regulatory requirements in lending (e.g., Reg T, Dodd-Frank, Truth in Lending Act)
• Prior experience working in a wealth management or high-touch, advisor-driven environment
• Knowledge of fraud prevention and risk management in lending contexts
• Experience managing product P&L or business metrics within a lending product line

Key Partnerships: Credit Risk, Legal & Compliance, Technology, Operations, Market Research, Field Enablement

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 $85,000-$145,000 for New York, $77,000-$143,000 for Florham Park, NJ, $70,000-$130,000 for Minneapolis and Charlotte 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

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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.

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RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.