Sr Associate, Savings Products - HYSA, CDs & Money Market, Boston, MA

Sr Associate, Savings Products - HYSA, CDs & Money Market, Boston, MA

Country: United States of America

Your Journey Starts Here:

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:
We are looking for a Senior Associate, Savings Products to lead the strategy, development, and performance of our core savings offerings, including High-Yield Savings Accounts (HYSA), Certificates of Deposit (CDs), and Money Market Accounts. This role is responsible for optimizing product performance across key metrics such as deposit growth, customer engagement, and product profitability, while ensuring a competitive and compliant offering in the market.
This position is ideal for a highly analytical and customer-focused product leader who understands the evolving savings landscape and can drive innovation in traditional deposit products through modern digital experiences.

Product Strategy & Roadmap

• Develop and maintain the product strategy and roadmap for savings products (HYSA, CDs, MMAs) aligned with business goals.
• Identify growth opportunities through pricing, segmentation, digital enhancements, and bundling with other retail products.
• Conduct competitive and market analysis to ensure offerings remain attractive and differentiated.

Product Management

• Oversee end-to-end product lifecycle, including ideation, development, launch, and post-launch optimization.
• Collaborate with Digital, Technology, and Operations teams to enhance digital savings account features and servicing tools.
• Drive enhancements that support faster onboarding, personalized savings goals, account insights, and financial wellness.

Performance Management

• Monitor key performance indicators (KPIs) such as account growth, balance trends, interest margin, and customer retention.
• Partner with Pricing, Treasury, and Finance teams to align product pricing with funding strategies and profitability targets.
• Use data and analytics to inform decisions, test new features/offers, and refine the product roadmap.

Cross-functional Collaboration

• Work closely with Marketing, Analytics, Compliance, and Customer Experience teams to deliver high-impact campaigns and enhancements.
• Partner with Relationship Management, Branch, and Digital Banking teams to optimize multi-channel acquisition and servicing.

What You Bring:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor's Degree or equivalent work experience: Business, Finance or equivalent field. - Required.

• 9+ Years Product Management or Strategy experience in retail banking or financial services. - Required.

• Deep understanding of savings products, deposit pricing strategies, and digital account features.
• Demonstrated success in managing product performance, including deposit growth and margin optimization.
• Strong data skills, including experience with performance dashboards and customer insights tools.
• Excellent communication, presentation, and stakeholder engagement skills.
• Experience working in cross-functional, Agile environments.
• Prior experience with digital-first savings platforms or fintech-led savings innovations.
• Familiarity with product bundling strategies and financial wellness features.
• Exposure to interest rate risk, liquidity management, and treasury collaboration.
• Knowledge of online deposit acquisition and digital marketing channels.
  

Certifications:

• No Certifications listed for this job.

It Would Be Nice For You To Have:

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
• Experience in Microsoft Office products.

What Else You Need To Know :

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range

Minimum:

$90,000.00 USD

Maximum:

$155,000.00 USD

Link to Santander Benefits:

Risk Culture:

We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

EEO Statement:

At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

Working Conditions :

Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required .

Employer Rights:

This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.

What To Do Next :

If this sounds like a role you are interested in, then please apply.

We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at [email protected] to discuss your needs.

Primary Location: Boston, MA, Boston

Other Locations: Massachusetts-Boston,New York-New York

Organization: Santander Bank N.A.