AVP, Digital Products

About the role

Founded in 1997, Merrick Bank is an FDIC®-insured financial institution headquartered in South Jordan, Utah, with over $10 billion in assets. A wholly owned subsidiary of CardWorks Financial Group, Merrick Bank serves roughly five million cardmembers and more than 100,000 merchant customers nationwide. What we do We provide credit cards, recreational loans, deposit accounts, merchant services and bank sponsorships to consumers and businesses. As a leader in non-prime lending and merchant acquiring, we combine innovative technology with data-driven insights to help underserved consumers build and strengthen credit while delivering integrated, scalable payment solutions for businesses. Merrick Bank ranks among the top 20 FDIC®-insured credit card issuers in the U.S. and among the top 15 merchant acquirers by transaction volume. POSITION SUMMARY The AVP, Digital Products, Card Acquisitions owns the end-to-end product management of Merrick Bank's digital credit card originations experience across applicant journeys, application platforms, and supporting digital acquisition capabilities. This role helps shape the future of Merrick's card acquisition strategy by leading the evolution of modernized, data-driven, and scalable application experiences across brands, channels, and products. The AVP plays a central role in advancing the acquisition roadmap through platform modernization, funnel optimization, experimentation, and cross-functional execution. ESSENTIAL FUNCTIONS Manage digital product strategy and roadmap for Merrick's credit card acquisition and application experiences across web and mobile Serve as business lead for digital application experiences, including customer journey strategy, experience optimization, platform evolution, and prioritization of enhancements that improve funnel performance and enable future scale. Serve as product owner for agile delivery, owning and maintaining the product backlog and ensuring work is prioritized based on business value, customer impact, technical dependencies, and delivery readiness. Lead cross-functional definition of business requirements and partner closely with Technology, Marketing, Risk, Legal, Compliance, Operations, Analytics, and external partners to deliver new capabilities and improve acquisition performance. Lead backlog refinement, sprint planning, and related agile ceremonies in close partnership with engineering and cross-functional stakeholders. Provide day-to-day product leadership to sprint teams by clarifying requirements, defining acceptance criteria, making prioritization and trade-off decisions, and helping unblock delivery. Lead experimentation and optimization efforts across storefront and application experiences, including A/B testing, personalization, and conversion improvement initiatives. Contribute to the design and evolution of customer-facing acquisition experiences by creating, reviewing and refining wireframes, prototypes, and interaction patterns to improve usability, clarity, and conversion performance. Use digital analytics, large datasets, and downstream performance insights to identify trends, evaluate customer behavior, and inform roadmap, prioritization, and acquisition strategy decisions. Provide oversight of testing, QA, release readiness, and implementation planning for application changes, experience enhancements, and platform releases. Balance near-term sprint execution with longer-term product roadmap planning and platform evolution. Drive accountability for delivery outcomes by monitoring progress, managing scope, identifying risks, and escalating issues as needed. Analyze customer behavior across digital channels using Google Analytics and/or Adobe Analytics to identify usage patterns, drop-offs, and optimization opportunities Perform feature-level and journey-level analysis to evaluate adoption, engagement, and business impact of digital capabilities. This line is my recommended completion for the truncated sentence in the uploaded draft. Ensure compliance with internal controls, applicable laws and regulations, and proper escalation of operational, compliance, or policy issues. COMPLIANCE WITH LAWS & REGULATIONS Responsible for complying with all of the Bank's internal control policies and procedures. Responsible for understanding and complying with all laws and regulations to which the Bank is subject. Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts. EDUCATION AND EXPERIENCE Bachelor's degree in a technology-, analytics-, or digital-related field such as Management Information Systems (MIS), Information Systems, Computer Science, Data Analytics, Digital Marketing, Business Analytics, Economics, Finance

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