Digital Product Manager

Why Join Apple?

At Apple Federal Credit Union, we’re more than a financial institution; we’re a community-focused organization powered by passionate people. With 24 branches across Northern Virginia and a proud legacy of service, we’re committed to improving the lives of our members and the communities we serve.

We believe our employees are our greatest asset. That’s why we foster a supportive workplace culture that values inclusiveness, innovation and growth. Whether you’re just starting out or advancing your career, you’ll find opportunities for professional development, mentorship and meaningful impact.

Why Work at Apple FCU

• Recognized as a WTOP Top Workplaces (2026)
• Collaborative, welcoming environment with forward-thinking leadership
• Competitive, comprehensive benefits package, including:
  • Medical, dental and vision coverage
  • 401(k) with employer match
  • Paid time off and 11 paid federal holidays
  • Paid volunteer time to give back
  • Tuition reimbursement and ongoing training opportunities
  • Annual TEAM Bonus plan.

Under the direction of leadership of Digital Solutions, and in line with established procedures and organizational principles, the Product Manager assumes responsibility for the execution of digital and technology strategies, with a focus on team-level product development, operational excellence, and member-centric initiatives.

The Product Manager leads product enhancements, delivery, and ongoing optimization exclusively within Apple FCU’s digital banking area. This role advances the mobile application, online banking, and related self-service digital experiences by managing the product backlog, applying analytical insights, and improving the member experience across digital interaction points. The Product Manager develops and enhances capabilities that support members’ financial health and deepen their relationship with Apple FCU, while contributing to business growth and the credit union’s position as a leader in digital banking.

Success in this role requires fluency in credit union terminology, products, and business practices, along with broad product management experience across acquisition, activation, usage, retention, and the product lifecycle. The role wears many hats: it may lead enterprise level initiatives, work day to day with Agile Scrum teams, and take on operational tasks that help Digital Solutions meet evolving business needs. It combines internal product development and cross functional collaboration with substantial vendor management, including aligning vendor capabilities, delivery, and support with Apple FCU’s priorities. This role brings adaptability, judgment, and communication skills to move between strategic planning, team delivery, vendor coordination, and operational execution. The Product Manager performs duties in accordance with Apple FCU policies and procedures and all relevant legislation and regulations, including the Bank Secrecy Act. Performs other duties as assigned by Digital Management

Essential Functions & Responsibilities:

• Digital Product Management: Identify and assess product and business problems and opportunities using current state metrics, member and market data, peer or industry factors, and the urgency and impact of taking no action. Define the affected member segments, needs, pain points, and expected improvements, and document how the member journey and operational workflows may change. Evaluate the recommended solution against the current state and alternatives, considering strategic alignment, costs, benefits, tradeoffs, dependencies, risks, and opportunities to build on existing products or processes. Ability to assess one time investment, ongoing costs, and expected financial benefits or losses, documenting key assumptions and affordability. Coordinate with impacted teams to clarify responsibilities, delivery timing, training, marketing, and ongoing ownership. Establish baselines, outcome measures, and accountable owners to evaluate results after launch and inform whether to adjust, expand, or discontinue the product. Manage the product life cycle, vendor performance, and due diligence, and work with stakeholder and subject matter experts in a face-paced environment to scope and deliver solutions that improve the member experience. Apply strong interpersonal and influencing skills to build alignment by communicating across stakeholders and work teams at all levels
• Backlog Management, Prioritization and Refinement: Lead prioritization and refinement of the digital product backlog, connecting enterprise strategy and member needs to the work planned by agile teams. Use member data, market research, product performance, business value, risk, feasibility, and delivery capacity to score and rank opportunities, helping teams focus on the enhancements and fixes with the greatest expected impact. Partner with stakeholders to clarify needs and translate them into actionable requirements, and facilitate regular refinement sessions to keep work ready, sequenced, and aligned with product goals. Participate in enterprise-level projects to represent owned digital products, contribute to cross-functional decisions, and assess impacts, dependencies, and opportunities. Monitor progress, help remove roadblocks, and communicate priority or scope changes to support timely delivery and a better member experience
• Cross-Functional Collaboration, Adoption, and Education: Build and maintain strong partnerships across the organization to increase awareness, adoption, and effective use of digital products. Collaborate with teams across the member journey, which includes but not limited to working with marketing, IT, Project Management, and member support areas, to identify opportunities, coordinate education and engagement, and support consistent experiences across branch, contact center, and digital channels. Partner with stakeholders to advance growth, usage, and retention goals, using member and product insights to guide initiatives that improve adoption and deepen member engagement.
• User-Centric Product Analysis and Market Insights: Coordinate research and leverage insights to enhance the value proposition, develop plans to attract consumer segments with innovative products and features that support Apple FCU’s strategic plan, identify and address product gaps, generate new ideas to drive business growth and improve member experience, and stay informed about current trends, competition, regulatory actions, issues, and best practices
• Digital Product Support and Incident Management: Provide support and backup to Digital Operations by investigating, troubleshooting, and resolving help desk tickets related to digital product features. Coordinate incident response as a product owner with IT Incident Managers and other impacted teams to assess member and operational impact, prioritize issues, identify and implement resolutions, and communicate status to stakeholders. Support escalation, service restoration, and follow up analysis to identify recurring issues and opportunities to improve product stability, support processes, and the member experience

Knowledge and Skills:

Experience:

• Minimum 7 or more years of digital banking support, bank systems administrator or product management of a financial institution is required.
• Minimum of 5 years or more of product management experience is required showing progressively responsible experience supporting banking or credit union products, including Digital Banking systems, and Core Banking systems is required.
• Experience with digital banking and/or Fintech vendors is required.
• Experience with Atlassian Products including Jira and Confluence, is required.
• Experience releasing member-facing software at a scale in a fast-paced work environment.
• Change management or agile coaching experience is preferred

Education: 

• Product Management Certification, Scrum Master and Scrum Product Owner Certification are required. 
• Bachelor’s degree or equivalent work experience is required

Interpersonal Skills:

• Communication: Excellent verbal and written communication skills for interaction with team members, management, and cross-functional partners.
• Leadership: Proven ability to guide, develop, and support individuals in a team setting.
• Collaboration: Demonstrated ability to work effectively with cross-functional teams and foster a cooperative work environment
• Problem-Solving: Strong skills in identifying, prioritizing, and resolving issues efficiently
• Adaptability: Flexibility in managing shifting priorities and tasks
• Analytical Skills: Capable of interpreting user feedback and digital analytics to drive improvements in digital platforms
• Change Management: Willingness to adapt to new processes and technologies and support organizational change initiatives.
• Industry Knowledge: Understanding current trends in digital banking and the ability to apply industry knowledge for enhanced member services
• Teamwork: Ability to work collaboratively to meet deadlines and contribute to a high-performance team culture

Technical Skills:

• Digital Product Management: Extensive experience in digital product management, including product lifecycle management, requirements gathering, and release management. Knowledge of best practices in digital product development.
• Project Management: Proficient in project management methodologies and tools, with the ability to lead and manage multiple projects simultaneously. Experience in defining project scopes, establishing timelines, and tracking progress.
• Technical Proficiency: Familiarity with digital technologies, online and mobile banking platforms, and digital account opening systems. Understanding of IT infrastructure and software development processes.
• Software Knowledge: Experience with software release management, system validation, and user acceptance testing.
• Documentation: Proficient in drafting and maintaining Standard Operating Procedures (SOPs) and using knowledge management systems like Confluence.
• Data Analysis: Strong analytical skills with the ability to analyze market trends, member needs, and competitive offerings. Experience in using data to drive strategic decision-making and product development.
• Technical Support: Experience in providing technical support and troubleshooting for digital solutions and services.
• User Experience (UX) Design: Understanding of UX design principles and best practices. Ability to collaborate with design teams to create user-friendly digital products and services.
• Vendor Management: Experience in managing relationships with digital solutions vendors, ensuring system reliability, and resolving issues promptly. Ability to evaluate vendor performance and negotiate contracts.
• Process Improvement: Knowledge of process improvement methodologies and ability to recommend and implement technological advancements to enhance operations

Physical Requirements: 

• The ability to lift 25 lbs. and utilize standard office equipment including, but not limited to, PC, laptops, headphones, dual monitors, copiers, telephone, etc. 

Work Environment: 

• Competent in navigating the dynamics of a financial institution setting.
• Adaptability to thrive in high-velocity work conditions.
• Frequent engagement through phone, chat and email communications.
• Hybrid work environment (minimum of 3 days in-office per week)

*** Apple Federal Credit Union values, encourages, and implements diversity in the workplace.

As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law.

All selected candidates will be subject to credit and background checks to determine employment eligibility. ***