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The Consumer Card Product group manages consumer credit and debit card solutions for the Bank’s retail customers and business partnerships, which includes Consumer, Private Wealth, Co-Brand, Affinity, Agent Bank, and Institutional lines of business.

As a Consumer Card Product Manager, you will be a thought leader for UMB’s consumer credit and debit card product solutions (including UMB, Agent Bank, Affinity, and Co-Brand card products), and develop and manage strategies to improve and grow those solutions. Activities include contributing to and/or delivering client pitches to new clients/partners, new product development/product enhancements, acquisition and lifecycle management activities, and partner and relationship management. This role involves collaborating with internal teams, external partners, and stakeholders to drive the growth and profitability of consumer card offerings while ensuring compliance with regulatory requirements and industry standards. The primary focus of this role will be developing, implementing and managing customer lifecycle strategies to grow card activation, usage, sales volume, balances and retention. This is a subset of the overall responsibilities which involves other multiple initiatives as assigned by Bank Product leadership.

This role is hybrid (Tue & Wed on-site) at our downtown Kansas City, MO corporate headquarters.

How you’ll spend your time:

• Develop, implement and manage consumer card customer lifecycle management strategies to improve account activation, usage and retention.

• Partner with analytics team to leverage and interpret data for use in the development, business justification, optimization and execution of customer lifecycle management strategies.

• Drive hypothesis driven testing framework to test, evaluate, refine and improve strategies.

• Monitor and analyze product performance KPIs, customer feedback and market trends to identify areas for improvements and opportunities for growth.

• Establish and maintain relationships with internal and external partners to support the growth and wellbeing of UMB’s card programs.

• Collaborate cross-functionally with internal teams such as marketing, finance, IT, fraud, legal, compliance, risk management, operations and servicing to leverage collective expertise, achieve shared goals, coordinate efforts and ensure successful execution of strategies.

• Contribute strategic insights and forward-thinking ideas to continuously evolve and improve the UMB’s card product offering and customer experience.

• Provide external support to partners and assist with customer servicing inquiries, concerns and issues promptly and effectively.

We’re excited to talk with you if:

• You have a Bachelor’s Degree in a related field and at least 5 years of full lifecycle product development experience OR any combination of education and experience that would provide an equivalent background.

• You have at least 2 years of Consumer Credit and/or Debit Card experience.

• You have an innovative and entrepreneurial mindset. Ultimately, you will be the product owner.

• You have demonstrated success in managing difficult situations and relationships with clients and vendors.

• You have the ability to gain influence and cross-functional consensus.

• You have experience in interpreting market and financial data to drive decisions, align strategies and build innovation around products.

• You have a proven track record of successfully launching customer lifecycle strategies for consumer card portfolios.

Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position.

Compensation Range:

Minimum: $83,200.00 - Maximum: $214,560.00

The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information

UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.

Are you ready to be part of something more?

You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.

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