Members Choice Credit Union (MCCU) is a full-service member-owned financial cooperative based in Houston, Texas, with an 80-year legacy of serving our members and the community. At MCCU, we are always working to improve as we build upon our vision to create the Credit Union of the future. Our people work collaboratively and support each other to accomplish big goals together. And our culture of adaptability and teamwork creates an environment where shared success – for our members, employees, and organization as a whole – is celebrated.

GENERAL JOB DESCRIPTION:

The Director of Digital Products plays a crucial role in shaping MCCU's digital product vision, defining roadmaps, and ensuring the successful delivery and continuous improvement of innovative and member-centric digital products.

This role works as part of a larger team, including business leaders across the organization, and is responsible for the conceptualization and execution to drive growth, innovation, and member satisfaction through the development and continuous enhancement of our digital product suite. This multifaceted role requires a dynamic individual who can lead by example, manage a team effectively, and actively participate in achieving departmental objectives. The Digital Products Director is responsible for developing, executing, and optimizing MCCU’s digital product strategy; oversees and participates in the day-to-day operations, which includes online/mobile banking, online deposit & loan account opening, and other integrated products, such as payment products, electronic documents, card functionality, and more.

DUTIES & RESPONSIBILITIES:

• Develops and articulates a clear, digital product strategy aligned with the Credit Union’s overall business objectives. Continuously evaluates market trends, member needs, and competitive landscape to drive product innovation and adoption. 
• Creates and maintain, a comprehensive product roadmap that prioritizes features and enhancements based on business value, member impact, and technical feasibility. Communicates the roadmap effectively to cross-functional teams.
• Recruits, mentors, and leads a high-performing team of digital product professionals to ensure theorganization’s success. Fosters a collaborative and creative work environment that encourages cross-functional cooperation and individual growth. 

• Subject matter expert on the technology platforms and systems that support digital suite of products. Seeks continuous improvement in digital engagement by ensuring systems are optimized and upgraded with relevant enhancements that meet changing consumer demands and member needs. Conducts research and analysis to understand member and employee needs and preferences; uses data from member surveys, app store ratings, and other feedback to continuously improve the digital experience.

• Oversees the end-to-end product development process, from ideation and concept validation to design, development, testing, and release. Ensures timely and high-quality product deliveries. Collaborates closely with Marketing Department to develop go-to-market strategies with compelling product messaging; coordinates product launches to maximize product adoption and revenue.
• Oversees and assists with the day-to-day operations of the digital suite of products. This includes transaction processing, member and employee inquiries, and other operational tasks. Reviews and acts on relevant digital product system and processor updates. Effectively implements new and changing rules and regulations.
• Collaborates closely with cross-functional teams, including IT, Retail, Operations, Marketing, and Executive Leadership to gather input, set expectations, and to ensure alignment with enterprise goals and initiatives. Communicates frequently with member-facing team members to ensure alignment. 
• Manages the budget for the digital product department, including resource allocation, vendor relationships, and cost optimization. Ensures products are delivered on time and within budget, while maintaining high quality.
• Monitors key performance indicators (KPIs) and regularly analyzes product metrics to evaluate the success of digital products. Uses data-driven insights to continually improve products and to meet member expectations.
• Responsible for establishing and maintaining positive partnerships with vendors, performing periodic vendor due diligence, overseeing contract negotiation and compliance, monitoring vendor performance, and optimizing cost-effectiveness to ensure vendors are delivering high-quality services for both members and MCCU.

• Ensures compliance with regulatory requirements and best practices for online/mobile banking and internal digital communications. Works together with Senior Management, Fraud Prevention, and Compliance to manage potential risks associated with digital products.

• Performs other duties as assigned.

EDUCATION & EXPERIENCE:

• A bachelor’s degree, or achievement of formal certifications recognized in the industry. Experience as a substitution for a degree may be considered.
• Minimum of 5 years of experience with digital products, specifically online & mobile banking products, UI/UX experience a plus.

SKILLS/ABILITIES:

• Knowledge of banking/credit union industry with a strong focus on member experience. Must be focused on providing an outstanding Member-Centric experience to both internal and external members.
• Proven experience in digital product management, with a track record of successfully launching and managing digital products.
• Demonstrated ability to develop and execute digital experience strategies that deliver business value.
• Excellent communication and collaboration skills; ability to work effectively with cross-functional teams.
• Analytical mindset with the ability to use data to inform decision making.
• Strong organizational skills needed to simultaneously handle multiple tasks and priorities. 
• Excellent interpersonal, written, and oral communications skills. 
• Must be focused on providing an outstanding Member-Centric experience to both internal and external customers.
• Ability to clearly articulate concepts and positions while dealing with a knowledgeably diverse group of management, and staff.
• Proven ability to achieve results in a fast-paced, collaborative work environment.
• Attention to detail.
• Ability and strong desire to take initiative and ownership.

PREFERRED QUALIFICATIONS: 

• Experience with agile development methodologies and project management tools.

• Experience in online & mobile banking product delivery, including online account opening for deposit and loan products.
• Previous and successful management experience.
• Financial industry experience preferred.

PHYSICAL/MENTAL REQUIREMENTS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• While performing the duties of the job, the employee is regularly required to stand, sit, use hands, reach with hands and arms, and talk or hear.
• Ability to stand for long periods while conducting training courses or other facilitated events. 
• Ability to move and/or lift 30 pounds. 
• The vision requirements include close vision and ability to adjust focus. 
• The mental demands include detailed work, reasoning, math, language, written and verbal communications, multiple concurrent tasks. 

BENEFITS AND PERKS:

Members Choice offers employees a comprehensive range of benefits to help meet your needs now and in the future.

• Your Insurance Benefits Start on Your First Day: Affordable options include: PPO and HDHP Medical/Prescription Drug, and Dental (with an HDHP Health Savings Account bonus). Plus, Fully Employer-Paid Vision, Life Insurance, AD&D, Short-Term Disability, and Long-Term Disability 
• 401(k) Plan with Employer Match
• Generous Paid Holidays, Vacation Days, Professional Training Days, and Volunteer Time 
• Educational Assistance and Wellness Incentives 
• Casual Fridays, Rewards, Recognition, and Fun Events 
• Career Pathing and Learning Support to Grow Your Career