Head of Product - Consumer & Private Bank

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.

While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives . At Texas Capital, we do more than build business success. We build long-lasting relationships.

Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).

Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News ’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com .

The Head of Product, Consumer & Private Banking develops and executes strategic plans for the retail, digital, and private banking product portfolios (e.g., deposits, lending, wealth, and advisory solutions). This role is accountable for identifying market opportunities, evolving customer behaviors and expectations while ensuring alignment with enterprise objectives and regulatory requirements.

This leader will set clear product vision while driving disciplined execution, using data and customer insights to inform decision-making and partnering with technology and operations to deliver scalable, user-centric solutions. The role requires a strong balance of strategic thinking, operational rigor, and innovation.

Responsibilities:

• Product Strategy & Vision
• Develop and deliver the long-term vision for Consumer and Private Banking product lines and set ambitious roadmaps built on in-depth understanding of customer needs, market trends, competitive landscape
• Identify distinct customer segments and tailor product offerings to meet their specific needs and financial goals
• Own product features, pricing strategies and product positioning and go-to-market strategies for new consumer products or enhancements to existing ones
• Assess competitive pricing and define pricing strategy based on deposit and customer portfolio as well as competitive landscape
• Work closely with marketing, retail, operations, risk management, and technology teams to ensure seamless product launch and ongoing management
• Leverage data to understand product adoption to measure product performance, understand customer behavior patterns, and inform strategic decision-making.
• Own product-level P&L and assess financial viability of new products; develop business cases with clear ROI and revenue projections
• Ensure ongoing monitoring of products, pricing, and fees; identify optimization opportunities and partner on adoption enhancements
• Monitor regulatory changes and ensure product offerings adhere to relevant banking laws and guidelines
• Build strong, collaborative relationships across design, engineering, and operations at the team and organizational levels
• Define and deliver overall consumer, retail, and private banking product roadmaps with clear success metrics and adoption targets

Qualifications:

• Education & Experience
• Bachelor’s degree in business (Finance, Accounting, Economics, etc.) or relevant field; MBA preferred
• 10+ Years experience in financial services product strategy, product management, or customer experience; management consulting experience valued with proven track record of building scaled, market-leading products
• Proven success in managing product teams and demonstrating strong partnership with cross-functional stakeholders
• Experience working at fintech companies or leading fintech initiatives within traditional banking organizations
• Key Skills & Competencies
• Strong curiosity and deep knowledge in consumer trends, wealth technology, and emerging banking solutions, with a proven ability to build scalable, market-leading products in complex, regulated environments
• Proven ability to set vision, develop long-term roadmaps, and execute product strategy with focus on building user-centric products
• Knowledge of advanced market research and competitive intelligence capabilities; ability to identify market opportunities and translate insights into product innovation
• Strong financial acumen & understanding of P&L management to assess financial viability; advanced analytical skills with strong focus on cost-benefit analysis, revenue optimization
• Ability to recruit, mentor, and grow product teams and drive collaboration between technology, operations, compliance and other internal partners
• The duties listed above are the essential functions, or fundamental duties within the job classification.  The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.