Senior Product Manager - Consumer Checkout, POS Lending

This Senior Product Manager role leads the Avvance Consumer Checkout experience, a point-of-sale lending solution for consumers. The position owns product vision, strategy, roadmap, OKRs, and execution across the checkout journey, including partner-embedded integration through capabilities and APIs.

What You Will Own

• Product vision, strategy, roadmap, and outcomes for the Avvance Consumer Checkout experience, balancing consumer needs, business objectives, partner requirements, regulatory requirements, and technology considerations.
• A strong understanding of the point-of-sale lending journey, including application, decisioning touchpoints, loan option presentation and selection, disclosures, acceptance, and consumer communications.
• Product outcomes and OKRs, translated into prioritized features, epics, and actionable delivery plans.
• Cross-functional agile or scrum product direction, including backlog prioritization and close collaboration with Design and Technology across discovery, development, launch, and ongoing optimization.
• Consumer experience improvement using customer research, behavioral analytics, funnel performance, experimentation, and other insights to reduce friction and improve conversion and customer outcomes.
• Connected experiences across both U.S. Bank-owned and partner-embedded journeys, defining scalable capabilities and API requirements that enable partners to integrate Avvance into their checkout flows.
• Technical fluency sufficient to understand APIs, services, data flows, system dependencies, technical trade-offs, and how front-end experiences connect to underlying platforms.
• Collaboration with Experience Design, Technology, Legal, Compliance, Risk, Marketing, Analytics, Operations, and other Product teams within Avvance and across U.S. Bank to deliver connected customer experiences.
• Proactive management of dependencies, risks, and trade-offs, driving decisions and alignment among stakeholders.
• Product performance metric definition and monitoring, including analysis of customer and business data and conversion of findings into product priorities and measurable improvements.
• Clear communication of product strategy, priorities, decisions, progress, and outcomes to stakeholders and senior leaders.

Required Qualifications

• Five or more years of Product Management experience, or equivalent experience leading complex digital products and customer experiences.
• Experience owning product strategy, roadmap, prioritization, and delivery for customer-facing digital products.
• Experience leading an agile product delivery team and managing a product backlog from discovery through implementation and optimization.
• Strong analytical and problem-solving skills, including the ability to use data and customer insights for product decisions.
• Experience with digital checkout, consumer lending, payments, financial services, e-commerce, embedded finance, or similar transaction-oriented customer experiences.
• Experience with consumer journeys covering application, eligibility or decisioning, presentation of financing options, disclosures, acceptance, and communications.
• Experience defining or managing API-based products, partner integrations, embedded experiences, or platform capabilities.
• Strong technical fluency with APIs, application architecture, system dependencies, data flows, and integration patterns.
• Experience using customer research, behavioral analytics, funnel analysis, experimentation, and performance measurement to improve digital experiences.
• Experience collaborating across Technology, Experience Design, Legal, Compliance, Risk, Marketing, Analytics, Operations, and Product teams in a complex or regulated environment.
• Ability to navigate ambiguity, make informed trade-offs, influence stakeholders, and communicate effectively with technical teams, business partners, and senior leaders.

Location and Compensation

• Location: Minneapolis, MN (onsite)
• Salary: USD 126,820 - 149,200 per year
• Minimum Experience: 5 years

Benefits

• 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 full benefits available by employment status here.

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.