Product Manager - Credit Cards and Payment Services

Let’s Build Something Consumers Actually Love Experience within the Credit Card industry is required This position is currently hybrid-eligible, with the expectation of three days pre-assigned on-site attendance. We require California residency and living within a 50-mile commute of our headquarters in Santa Ana.  We’re a credit union on the move—growing, innovating, and raising the bar for what members should expect. At Orange County’s Credit Union (OCFCU), we believe in simple, human banking rooted in purpose: “Simple Banking. For People, Not Profit.” With $3B in assets and 150,000+ members, we’re entering an exciting new chapter focused on growth, innovation, and exceptional member experiences. This Product Manager role is for a self-directed, who can turn insights into action and bring forward-thinking payment strategies to life.   What You’ll Do   Evolve our card portfolio * Development and optimization of credit and debit card programs (features, pricing, benefits) * Anticipate payments trends and bring innovative solutions to market quickly * Use data to uncover insights, drive performance, and improve interchange and portfolio growth * Leverage new tools and technology, including AI, to elevate results   Drive enterprise impact * Collaborate across teams to support growth in lending, business banking, and beyond * Improve servicing models and empower teams with tools and insights   Influence with insight * Stay ahead of industry trends and member expectations * Use storytelling and data to influence leadership and shape strategy   Ensure operational excellence * Streamline processes, improve efficiency, and maintain regulatory compliance * Produce initiatives that enhance performance, profitability, and member satisfaction Who You Are * Proactive, accountable, and self-driven * Analytical and structured, with a bias for action * Curious and forward-thinking about payments and fintech * Strong communicator who simplifies complex ideas * Tech-savvy and comfortable using AI tools * Motivated to build something meaningful and lasting What You Bring * Bachelor’s degree or equivalent experience * 5+ years in card services, payments, and product management (Credit Card industry experience is required) * Proven success driving product growth and innovation * Strong data analysis and performance optimization skills * Advanced PowerPoint and executive presentation abilities * Experience working cross-functionally to implement solutions Why Join Us * Make a real impact on members’ financial lives * Influence strategy and present directly to leadership * Be part of a forward-thinking, growth-focused organization * Health Coverage – Comprehensive benefits, including Anthem, Delta Dental, and VSP, effective from your first day. * Financial Security – Life insurance at no cost and a 401(k) plan with an employer match up to 6%. * Work-Life Balance – 13 days of vacation and seven (7) sick days annually and paid holidays. * Recognition & Growth – Annual merit increases, discretionary bonuses, as well as educational grants up to $1,000 per year. * Final offers are based on qualifications, experience, and internal equity. The anticipated range for this role is $95k - $118k annually. Orange County's Federal Credit Union is an Equal Opportunity Employer. Pre-employment screenings, including background and credit checks, are required.