Job Details

Job DescriptionJob Description

Position Function:

The Revenue and Debit Card Manager is responsible for all matters pertaining to the end-to-end process for consumer and small business and related fees. Develops strategies to increase revenue by conducting market assessments (external and internal) to improve profitability, procedural/ operational efficiencies or risk mitigation. Establishes and maintains relationships with various departments and outside vendors in an effort to develop/implement new fees and improve revenue from existing income sources. Fees managed include but are not limited to revenue associated with small business deposits, consumer deposits, investments, Trust and miscellaneous fees and services (ex: Safe Deposit Box and wires).

Manages the strategic development and operational functionality of the Bank's debit and ATM card delivery channels in alignment with the Bank's corporate objectives. Manages the systems and operational vendors involved in the card driver platform, card delivery, and the integrity of data transmission and security. Maintains industry intelligence in card technology and consumer trends, and identifies applications to enhance the Bank's corporate objectives. Promotes customer usage of and migration to debit card channels. Responsible for increasing the penetration, activation, and utilization of cards under management.

Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a “Voyaging Spirit” and being “Positively Ohana”. Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrate key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness.

Primary Accountabilities:

Development/Management:

Be able to quantify opportunity/financial impact after data gathering, research, or other analysis and articulates recommendation via a Business Case.

Develop and implement positioning and product line strategy.

Develop planning sheets for new fees/packages, products, promotions, and campaigns to include budget, cost/benefit analysis and project schedules.

Provide direction to assigned analysts in Treasury to develop cost/benefit analysis.

Assist in setting and managing goals for revenue, product promotions and sales campaigns.

Track/report on performance of initiatives and campaigns.

Obtain approval and implement revenue initiatives, product promotion and sales campaigns.

Monitor and product profitability/positioning and be aware of changes in the environment (customer behavior, competition, etc.) that can impact profitability.

Monitor competitive environment – fees, product features, and offers. Assess and product competitiveness in the marketplace, seek and follow through on opportunities to increase revenue and market penetration.

Manage projects to develop and implement new fees and products, enhance or streamline existing fees and products etc. This includes defining business requirements, defining customer communication requirements, and tracking of results.

Monitor external and internal environment – problems, technological advances, economic conditions, regulatory changes and identify opportunities for change.

Manage the overall and product portfolios to ensure that our strategy, new account growth, attrition, net growth, cross sales, and profitability support the bank's overall balance sheet and income statement goals.

Report and research budget variances.

Product Development/Management:

Increase the Bank's key performance metrics for Penetration, Activation, and Utilization by creating strategies and tactics on the debit card platform for consumer and business cards.

Assist in establishing campaign objectives and securing promotional offers.

Ensure product tools are effective in supporting the sales team's objectives.

Relationship Management:

Maintain relationships with sales teams, the front line, and support areas to achieve revenue and debit card goals.

Negotiate, execute and manage customer, vendor, and third-party vendor agreements.

Work with Training to disseminate Product Knowledge & Sales Tools well in advance of /debit card strategy launch/changes.

Strategic Initiatives:

Assist Department Manager in developing, plans, and implements various strategic initiatives identified by Executive Committee as priority initiatives for the year. Utilize various project management skills as he/she will be working many business units across the bank as these initiatives are implemented.

Minimum Qualifications:

Education:

Bachelor's Degree preferably in Finance/ Accounting or Business or Management required

Experience:

7+ years of experience in Finance or Accounting required

3+ years of experience in banking required

4+ years of management experience required

Physical Requirements & Working Conditions:

Able to work flexible hours to include before/after normal business hours; weekends and holidays.

Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated.

Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications.

Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions.

Must be able to read and understand bank-related documents.

Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job.

We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.