Head of Consumer Bank Portfolio Management

🕒 Outubro 1

🗽 New York – Remoto

🗽 New York – Remote

💵 $185.159 - $310.916 / ano

⏰ Tempo Integral

🔴 Especialista

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Flagstar Bank

SiteLinkedInTodas as Vagas

5001 - 10000 funcionários

🛡️ Seguros

💼 Consultoria

🏥 Saúde

Insurance • Consulting • Healthcare

O Flagstar Bank é um banco comercial diversificado focado em construir relacionamentos para ajudar os clientes em suas jornadas financeiras, seja para necessidades pessoais ou empresariais. O banco oferece uma ampla gama de serviços financeiros, incluindo banco pessoal e empresarial, empréstimos, hipotecas, gestão de patrimônio e serviços de investimento. O Flagstar está comprometido com o envolvimento comunitário e com o atendimento das necessidades bancárias de bairros diversos, incluindo áreas de baixa e média renda, enquanto promove diversidade, equidade e inclusão dentro de suas operações.

Descrição

• Own the economics of the consumer deposit portfolio across products and segments, including cost of funds, mix strategy, deposit growth, retention, and margin • Set the multiyear direction for deposit pricing and management • Own rate strategy for standard pricing, promotional offers, and exception pricing • Present rate recommendations to pricing governance forums and executive audiences • Own consumer deposit portfolio P&L, including interest expense, net interest income, product and segment contribution, and performance against plan • Establish interest expense attribution and reconciliation with Finance and Treasury • Own deposit balance and rate forecasts, retention projections, assumptions, and scenario analysis • Build a forecasting capability controlled by the function • Lead insights and analytics covering price elasticity, behavioral segmentation, competitive and market insight, and portfolio reporting • Direct data science and modeling for deposit behavior, rate sensitivity, retention, and balance migration • Establish portfolio performance frameworks tracking cost of funds, acquisition, augmentation, and attrition • Build and lead the function across pricing, P&L management and forecasting, and insights and analytics • Establish accountability with Finance, Treasury, and enterprise data teams • Manage talent, including hiring, performance evaluations, development, disciplinary actions, succession planning, and compliance • Perform special projects and additional duties as required • Maintain compliance with applicable laws, regulations, and policies

🎯 Requisitos

• Undergraduate Degree (4 years or equivalent), or equivalent work experience • 12+ years in deposit pricing, treasury, balance sheet management, or a related finance discipline • Leadership of pricing, P&L management, forecasting, and analytical work for a consumer deposit portfolio • Command of deposit economics, including cost of funds and net interest income • Ownership of a portfolio P&L, including interest expense, net interest income, product and segment contribution, and variance to plan • Ownership of balance and rate forecasts, scenario construction, and supporting analysis • Direction of analytical work, including price elasticity, behavioral segmentation, modeling, and performance analysis • Fluency in deposit pricing across product and segment • Experience presenting pricing and forecasting recommendations to executive and governance forums • Experience building and leading a multidisciplinary function spanning pricing, forecasting, and analytics • Occasional travel required • Ability to comply with regulatory and compliance policies and standards • Advanced degree in finance, economics, statistics, or a related quantitative field preferred • Banking or financial services experience preferred • Experience building deposit portfolio management, P&L, or analytical functions preferred • Experience establishing interest expense attribution or funds transfer pricing logic preferred • Familiarity with deposit behavioral modeling and price elasticity preferred

🏖️ Benefícios

• Medical insurance • Dental insurance • Vision insurance • Life insurance • Disability insurance • Comprehensive leave program • Variable incentives, bonuses, commissions, or other awards may be included in total compensation