At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.
Location expectations
This role requires working from a U.S. Bank location three (3) or more days per week.
The Senior Product Manager is responsible for leading the vision, strategy, development, and delivery of AI-driven solutions that transform and modernize the end-to-end origination experience across Mortgage and Home Equity products. This role drives the identification, evaluation, and implementation of innovative artificial intelligence capabilities that enhance customer experiences, improve operational efficiency, mitigate risk, and deliver measurable business value. As a key member of the Home Lending Delivery team, the Senior Product Manager partners closely with Product Managers, Retail Delivery Leads, Technology teams, Data Science, Operations, and business stakeholders to define and execute a strategic roadmap of AI-enabled capabilities.
This leader is responsible for evaluating and recommending the optimal approach for delivering AI solutions, including internally developed capabilities, third-party vendor platforms, and strategic partnerships. The Senior Product Manager develops business cases, conducts cost-benefit and ROI analyses, assesses risks, and collaborates with Procurement, Legal, Risk, and Technology teams to support solution selection and implementation. The role translates business needs into scalable product requirements, establishes product roadmaps, defines minimum viable products (MVPs), and oversees delivery from concept through implementation.
The Senior Product Manager works closely with data science, engineering, and governance teams to ensure AI models and solutions are developed, tested, deployed, and maintained in accordance with enterprise standards for model risk management, governance, explainability, fairness, and regulatory compliance. This individual drives the integration of AI capabilities into existing lending platforms and operational workflows while ensuring alignment with internal audit, risk management, and data governance requirements.
In addition, the role serves as a key liaison between technical AI teams and business stakeholders, building strong cross-functional partnerships and fostering organizational adoption of AI-enabled capabilities. The Senior Product Manager monitors emerging trends in artificial intelligence, machine learning, fintech, intelligent automation, predictive analytics, and mortgage technology to identify opportunities that support business growth and innovation. This leader defines success metrics, tracks performance against key business outcomes, develops go-to-market strategies, and continuously evaluates solution effectiveness to maximize value realization. The position also manages cross-functional dependencies, removes delivery obstacles, supports quarterly planning activities, and ensures AI initiatives are successfully integrated into broader product and delivery roadmaps.
Basic Qualifications
- Product Management experience
Preferred Skills/Experience
- Demonstrated experience owning product profit and loss (P&L) performance, including business case development, financial analysis, and value realization.
- Proven ability to develop and execute product strategy, vision, and long-term planning aligned to business objectives and customer needs.
- Experience leading product discovery efforts, identifying market opportunities, validating customer needs, and translating insights into innovative solutions.
- Strong product development experience with the ability to manage products from concept through delivery, launch, and ongoing optimization.
- Expertise in channel alignment and management, ensuring seamless integration across business, operations, technology, and customer-facing channels.
- Experience driving product adoption through change management, stakeholder engagement, training, and communication strategies.
- Ability to conduct customer experience research and leverage customer insights to inform product decisions and enhance user experiences.
- Experience working within Agile delivery environments, partnering with cross-functional teams to deliver solutions iteratively and efficiently.
- Knowledge of go-to-market planning, sales channel enablement, product positioning, and launch execution.
- Demonstrated ability to establish performance metrics, monitor KPIs and OKRs, and optimize product outcomes based on data-driven insights.
- Experience applying marketing and analytics capabilities to measure product performance, customer engagement, and business impact.
- Strong customer-centric mindset with a passion for delivering solutions that improve customer outcomes, simplify experiences, and create long-term value.
- Experience in mortgage lending, home equity, or consumer lending operations.
- Experience leading AI, machine learning, intelligent automation, or digital transformation initiatives.
- Knowledge of the end-to-end mortgage and home equity origination lifecycle.
- Experience evaluating and implementing vendor, partner, and internally developed technology solutions.
- Familiarity with AI governance, model risk management, regulatory compliance, and data governance frameworks.
- Demonstrated ability to build business cases, analyze ROI, and influence executive stakeholders.
- Strong product management, strategic planning, and cross-functional leadership skills.
- Experience partnering with technology, data science, operations, risk, compliance, and business teams to deliver enterprise solutions.
If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.
Benefits:
Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:
Healthcare (medical, dental, vision)
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer-funded retirement plan
Paid vacation (from two to five weeks depending on salary grade and tenure)
Up to 11 paid holiday opportunities
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
Review our full benefits available by employment status here.
U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
E-Verify
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $126,820.00 - $149,200.00
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting may be closed earlier due to high volume of applicants.
