Director, Loan Pricing & Product Strategy - Consumer Lending

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits?

Our "people helping people" philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference.

While we're proud of our history, we're even more excited about our future. With business and technology transformation on the horizon, there's never been a better time to be part of BECU.

You bring more than your expertise to your role, and that matters here. Your story, perspectives, and lived experiences help shape belonging at BECU and deepen how we connect with and support our employees, our members, and our communities.

PAY RANGE

BENEFITS - because people helping peoplestarts with supporting you

• 401(k) Company Match (up to 3%)

• 4% annual contribution to your 401(k) by BECU

• Medical, Dental and Vision (family contributions as well)

• PTO Program + Exchange Program

• Tuition Reimbursement Program

• BECU Cares volunteer time off + donation match

IMPACT YOU'LL MAKE:

As the Director, Loan Pricing & Product Strategy - Consumer Lending, you'll have the opportunity to shape the future of BECU's consumer lending portfolio through strategic product leadership, innovative pricing strategies, and a commitment to delivering exceptional member value. You'll bring together your expertise in financial analysis, product management, and market intelligence to drive sustainable growth, strengthen portfolio performance, and advance BECU's strategic objectives.

You'll use your understanding of member behavior, market trends, and the competitive landscape to identify opportunities, develop competitive pricing strategies, and ensure our products deliver a compelling value proposition. Working closely with Treasury and Finance, you'll help validate critical assumptions supporting asset/liability management, interest rate risk scenarios, and funds transfer pricing.

Beyond pricing, you'll lead the vision, strategy, and delivery of the product roadmap for multiple consumer lending products, including personal loans and personal lines of credit. You'll establish strategic priorities, guide product innovation, and empower your team to transform research and ideas into meaningful solutions that enhance member engagement and experiences across channels. Through your leadership and collaboration, you'll help build and manage products and capabilities that support BECU's growth, strengthen member relationships, and deliver on our purpose.

To join our dynamic team in this role, we require candidates to be residents of WA, OR, ID, CA, AZ, TX, NC, SC, GA, or VA. If you're located in Washington state and within a reasonable driving distance to our Tukwila Headquarters (TFC), we encourage you come into the office on Tuesdays & Wednesdays each week. For those candidates that live outside the commutable distance to TFC and in any of our approved remote work locations, this role will be primarily remote. Remote or onsite, we are committed to ensuring you are fully engaged and included in our collaborative environment.

WHAT YOU'LL DO:

• Lead Consumer Lending Pricing Strategy: Serve as the primary point of contact and subject-matter expert for product pricing within the Consumer Lending product management team. You'll support financial analysis and pricing initiatives, answer questions about financial information, and provide data to inform profitability models and pricing decisions.
• Develop Strategic Pricing Recommendations: Lead the development of product and pricing recommendations that align with BECU's strategic, financial, and growth goals.
• Manage Financial Performance: Oversee Consumer Loan Profit & Loss (P&L) and support efforts to achieve business plan expectations, focusing on growing loan balances and membership in alignment with BECU's purpose.
• Partner on Financial Planning: Collaborate with Treasury and Finance to validate assumptions used in asset/liability management, interest rate risk scenarios, and funds transfer pricing.

• Shape Product Vision and Roadmaps: Develop and oversee the vision, strategy, and roadmap for one or more complex products, establishing the high-level priorities and approaches needed to support BECU's long-term objectives.
• Identify Member and Product Opportunities: Evaluate feedback on new products and services, as well as modifications to existing offerings. Identify member and product opportunities, integrate findings into BECU's long-term product and member strategies, and share insights and recommendations throughout the organization.
• Drive Product Development: Ensure an effective flow of research, concept development, prioritization, and delivery of products and services that strengthen BECU's capabilities.
• Own Product Goals and Priorities: Be accountable for portfolio and product goals and priorities within and across one or more capabilities, ensuring initiatives remain aligned with organizational objectives.
• Evolve Product Strategies: Capture and assess insights and lessons learned over time, using those findings to refine product vision, priorities, and roadmaps.

• Identify Competitive Opportunities: Provide thought leadership on competitive trends and the evolution of tools and strategies that help engage and delight customers.
• Partner on Marketing Initiatives: Collaborate with the Marketing team on product marketing initiatives informed by changes in the marketplace and industry.
• Develop Market Growth Strategies: Identify, quantify, and recommend strategies to capitalize on market opportunities. Develop approaches to address product penetration gaps, both geographically and across member segments.
• Share Insights Across BECU: Communicate market findings, product insights, and recommendations throughout the organization to support strategic decision-making.

• Champion Member-Centered Design: Collaborate with the User Experience and Design organization to execute discovery and research that inform meaningful experience journeys across member and employee touchpoints.
• Build Strategic Partnerships: Identify the industry partners and collaborators across the capability ecosystem who can help bring product strategies and initiatives to life.
• Measure Product Success: Define and monitor metrics that track the success of products and capabilities, using insights to identify opportunities for continuous improvement.

• Provide Organizational Leadership: Offer mentorship and guidance at all levels of the organization while facilitating and coordinating information sharing among team members.
• Coach and Develop Talent: Provide ongoing coaching, mentoring, and training to individuals and teams to support their growth and development.

• Support Performance and Career Growth: Meet regularly with staff to provide feedback on goals and competencies, helping individuals understand their progress and identify opportunities for continued development.
• Support Additional Priorities: Perform additional duties as may be assigned.

This isn't just about ticking off tasks on a list. It's about making a significant, positive change in BECU's journey, where your contributions are valued, and your growth is continually fostered.

WHAT YOU'LL GAIN:

• Strategic Influence: Shape the direction of BECU's consumer lending portfolio and influence pricing, product, and financial strategies that support organizational growth.
• Member-Focused Innovation: Turn member insights, market trends, and competitive intelligence into innovative products and experiences that respond to real financial needs.
• Cross-Functional Collaboration: Build strong partnerships with Treasury, Finance, Marketing, User Experience, Design, and other organizational leaders.
• People Leadership: Develop and mentor talented professionals, creating opportunities for growth, collaboration, and knowledge sharing.
• Market Growth and Expansion: Identify opportunities to strengthen product penetration, reach new member segments, and expand BECU's competitive position.

QUALIFICATIONS:

Minimum Qualifications:

• Bachelor's degree or equivalent work experience in a business or related discipline.
• Minimum 8 years of product management, product pricing, finance or equivalent experience.
• Minimum 5 years of people leader experience.
• Experience working with consumer lending products such as Personal Loans, Personal Lines of Credit, Credit Card, etc

Desired Qualifications:

• Advanced degree.

• Understanding of Product P&L, member value, and return on investment/return on assets drivers.
• High analytical with experience leveraging different types of data to form hypotheses and ultimately build and recommend a strategy.

• Experience overseeing all elements of the product development lifecycle.
• Ability to proactively identify business and customer needs and opportunities, overcome barriers, and formulate solutions with minimal supervision.
• Experience leading cross functional teams.
• Experience managing and maintaining vendor relationships.

JOIN THE JOURNEY:

Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don't just fill a role, but fuel the growth and success of BECU? This is more than a job - it's a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU.

Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let's achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney

BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.