Consumer Banking Product Owner

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 . About the team - Consumer Banking Product Strategy Texas Capital’s Consumer and Digital Banking Product Strategy team drives the vision, growth, and competitive positioning of our consumer, digital, and private banking products. Working at the intersection of strategy, technology, and finance, we identify market opportunities, develop go-to-market plans, and shepherd products from concept through launch. We partner across organizations to build innovative capabilities that delight customers and strengthen our market position. Our work is grounded in customer needs and competitive dynamics; turning strategy into execution and insights into impact. About the role This role is responsible for translating our Consumer Banking Product Strategy into operational and systems reality. You will own the systems configurations and processes that enable the successful delivery of our product initiatives — from promotional mechanics and incentive program structures to system configurations that support scalability and compliance. This role also will drive continuous improvement in processes and identify system enhancements needed to support new products and initiatives. You will be expected to work closely with strategy, technology, risk, and audit teams ensuring our operational capabilities align with product objectives and support efficient, compliant execution at scale. This role sits at the intersection of product, strategy, and execution, with a strong sense of operational rigor that enables product teams to execute with confidence. Key Responsibilities Product strategy execution: Partner with product strategy and leadership teams to understand product requirements, timelines, and go-to-market objectives, then translate these into operational and systems requirements Manage cross-functional initiatives: Lead projects that require coordination across product, technology, operations, risk, and audit; communicate progress, risks, and decisions clearly to stakeholders Leverage data to drive incentive program performance: Analyze product-level and customer-level data to produce insights into actionable recommendations that inform program design, optimization, and decision-making across stakeholders Ensure audit and compliance readiness: Work with risk and audit teams to embed controls, ensure compliance with regulatory requirements, and maintain audit readiness across all operational areas Build and refine operational processes: Develop scalable, compliant operational processes that support product delivery; document workflows, define roles and responsibilities, and ensure consistency across teams Competitive & Market Analysis: Conduct comprehensive market analysis to identify competitive positioning and trends Product Innovation Identification: Identify opportunities for product innovation within the consumer banking and wealth portfolios, including the introduction of new products or enhancements Qualifications Bachelor’s degree in Finance, Business, Economics, or a similar field; advanced degree preferred 6-7 years of experience in product management, corporate strategy, product operations, or similar experience Demonstrated ability to lead complex, cross-functional initiatives and influence senior stakeholders Excellent communication and presentation skills with experience developing executive-level materials and recommendations Experience leveraging AI tools and data-driven methodologies to improve research, analysis, and execution effectiveness Strong understanding of financial systems, platform architecture, and how operational processes integrate with technology 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.