Consumer Card Product Manager

The Consumer Card Product group manages consumer credit and debit card solutions for the Bank’s retail customers and business partnerships, which includes Consumer, Private Wealth, Co-Brand, Affinity, Agent Bank, and Institutional lines of business. As a Consumer Card Product Manager, you will be a thought leader for UMB’s consumer credit and debit card product solutions (including UMB, Agent Bank, Affinity, and Co-Brand card products), and develop and manage strategies to improve and grow those solutions. Activities include contributing to and/or delivering client pitches to new clients/partners, new product development/product enhancements, acquisition and lifecycle management activities, and partner and relationship management. This role involves collaborating with internal teams, external partners, and stakeholders to drive the growth and profitability of consumer card offerings while ensuring compliance with regulatory requirements and industry standards. The primary focus of this role will be developing and maintaining compelling products, product experiences and value propositions for our customers and target audience. This is a subset of the overall responsibilities which involves other multiple initiatives as assigned by Bank Product leadership. This role is hybrid (Monday through Thursday on-site / Friday remote) for candidates in the Kansas City metropolitan area and open to qualified remote candidates outside of the Kansas City area but only within the US. However, the remote location must be within the US. How you will spend your time: Develop, justify via business case, implement and manage product strategies that support long term, sustainable growth for our consumer card portfolios. Develop and maintain a prioritized roadmap across all consumer card products, balancing business priorities, customer needs and technical dependencies. Partner with finance and analytics teams to leverage and interpret data for use in the development, business justification, optimization and execution of product strategies. Monitor and analyze product performance KPIs, customer feedback and market trends to identify areas for improvements and opportunities for growth. Deliver tailored solutions by effectively navigating the unique needs of diverse customer segments, such as mass market, cobrand partners, and private banking clients. Establish and maintain relationships with internal and external partners to support the growth and wellbeing of UMB’s card programs. Collaborate cross-functionally with internal teams such as marketing, finance, IT, fraud, legal, compliance, risk management, operations, sales and servicing to leverage collective expertise, achieve shared goals, overcome pain points, enhance products, coordinate efforts and ensure successful execution of strategies. Contribute strategic insights and forward-thinking ideas to continuously evolve and improve UMB’s card product offering and customer experience. Establish frameworks to track rollout progress, adoption metrics and business outcomes across all enhancements. Present product development initiatives to senior-level management and articulate how these initiatives support the banks’ overarching strategic objectives. Provide support to partners and assist with customer servicing inquiries, concerns and issues promptly and effectively. We are excited to talk if you have: A Bachelor’s Degree in a related field and at least 5 years of full lifecycle product development experience OR any combination of education and experience that would provide an equivalent background. At least 2 years of Consumer Credit Card and/or Debit Card experience. Experience with digital consumer products, product management, product sales/marketing or project management (including product launch) and an understanding of card product ecosystems and infrastructure is preferred. A strategic and goal-oriented focus with a proven track record of conceptualizing, developing, and optimizing products across the entire lifecycle to drive maximum business impact. Led cross-functional teams, spearhead inter-departmental collaboration and united stakeholders across various levels of the organization to achieve shared goals. Strong understanding of expense and revenue drivers as they relate to banking. Skilled in managing difficult situations and relationships with clients and vendors. Experience in interpreting market and financial insights to make data-driven decisions, align strategies and accelerate product innovation. A proactive self-starter mindset adept in managing multiple priorities with strong attention to detail. A forward-thinking, collaborative approach with exceptional interpersonal skills, adept at facilitating complex discussions and translating ideas into action. Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position. Deadline to apply: August 26, 2026 Targeted compensation for this opening: The posted salary range reflects the broadest standard range for this role, including all locations. The anticipated compensation for this specific position is $130,000 - $145,000. This role is also eligible for annual incentive pay. Compensation Ranges: US Employees in California, Washington DC, New Jersey, and New York: $100,710 - $157,630 US Employees in Colorado, Connecticut, Delaware, Illinois, Massachusetts, Maryland, Minnesota, Pennsylvania, Rhode Island, Texas, Washington, and Wisconsin: $91,950 - $144,320 US Employees in all other states not listed above: $83,200 - $131,000 The posted compensation range on this listing represents UMB’s good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. Please see the description of benefits included with this job posting for additional information. UMB offers competitive and varied benefits to eligible associates , such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. Are you ready to be part of something more? You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to to let us know the nature of your request. If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB. #LI-MD1