At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.
Summary of the Job:
This role supports new product development by creating strategies for credit products that balance customer and business value. You'll identify trends in consumer preferences, research market changes, and build strong relationships with business stakeholders. Simultaneously, you'll incubate and launch FNBO's affiliate marketing channel as a new performance marketing acquisition channel.
This is a highly collaborative role with Partnership’s Account Executive Team and Performance Marketing Team. To succeed you'll need great relationships alongside strong product strategy. Once a strategy is developed and new product identified, you'll work with operations and sales teams to determine prioritization and implementation.
Key Outcomes:
• Develop innovative credit card products tailored to different customer segments and partners
• Build and launch affiliate marketing as a viable performance marketing acquisition channel
• Collaborate with performance marketing team to integrate affiliate channel into overall acquisition strategy
About This Role:
New Product Development (50%)
You are responsible and accountable for:
Product Pipeline: Maintain pipeline reports, participate in prioritization meetings, and socialize updates. Identify unmet customer needs through market exploration, research, and stakeholder engagement. Develop timelines for launches with continual improvement via post-mortems.
Market Intelligence: Conduct ongoing marketplace monitoring (economic, regulatory, consumer trends) and competitive benchmarking.
Customer Research & Testing: Develop product research briefs, manage product field work with partners, analyze results, and rapidly test new concepts to validate product-market fit.
Product Recommendations: Prepare and present product concepts and packages to internal and external stakeholders. Track post-launch performance and make data-driven enhancement decisions.
Compliance & Risk: Engage compliance early to review proposed products and document risks or regulatory considerations.
You will collaborate with Account Executives and Director of Business Development on partner-specific product development and financial modeling.
Affiliate Marketing Channel Development (50%)
You are responsible and accountable for:
Channel Strategy: Develop comprehensive strategy and business case for launching affiliate marketing as a performance marketing acquisition channel. Research and evaluate potential affiliate partners (content sites, comparison engines, loyalty programs, cashback sites, credit education platforms).
Pilot Program: Design and execute pilot with 3-5 initial partners including success metrics, budget parameters, test-and-learn protocols (offer testing, creative optimization, landing page variations), tracking methodology, and attribution models.
Performance Marketing Partnership: Work closely with performance marketing team to align affiliate strategy with overall digital acquisition, integrate tracking/attribution into existing tech stack, coordinate creative development and messaging, share learnings across channels, ensure consistent customer experience, and optimize channel mix.
Performance Management: Develop dashboards tracking traffic quality, conversion rates, approval rates by partner, customer acquisition costs, customer quality metrics (credit scores, delinquency, utilization, profitability), and lifetime value projections.
Infrastructure & Operations: Partner with MarTech, product and engineering teams to build tracking pixels, attribution systems, reporting dashboards, partner portal, and fraud prevention. Work with strategic partners to optimize payment structures. Create partner enablement materials (promotional guidelines, creative assets, product positioning, compliance requirements).
Compliance & Risk: Ensure all affiliate activities adhere to fair lending principles, UDAAP requirements, and applicable regulations. Establish fraud monitoring protocols and quality controls.
Knowledge Transfer: Document learnings, best practices, challenges, and recommendations to support future channel scaling.
You will collaborate with the performance marketing team on budgeting, channel strategy and optimization decisions.
Cross-Functional Collaboration:
Partner with performance marketing team, account executive team, finance, risk, and technology teams to align on business goals.
Coordinate between product development, targeting & segmentation, onboarding, and customer management teams
Facilitate communication to ensure unified approach to customer engagement
The Ideal Candidate for This Role:
Required:
3-5 years in new product development, performance marketing, or product strategy within credit card/financial services
Strong understanding of consumer credit segmentation and targeting
Excellent analytical skills with ability to build financial models
Strong project management across multiple initiatives
Excellent communication and stakeholder influence skills
Self-starter with entrepreneurial mindset and comfort with ambiguity
Preferred:
Experience with performance/digital/affiliate marketing
Experience launching new products or channels from concept to market
Familiarity with marketing attribution models and tracking technologies
Experience with Qualtrics, Mintel, Comperemedia or related competitive intelligence-gathering tool
Success Factors:
Balance strategic thinking with tactical execution | Build strong cross-functional relationships | Embrace experimentation and data-driven decision-making | Manage dual priorities effectively | Stay curious about market trends and emerging channels
Candidates must possess unrestricted work authorization and not require future sponsorship.
Compensation:
Compensation range (base pay): $81,662.00-$134,741.00
This role may have a specific starting pay within this range.
Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.
Work Environment:
It is anticipated that the incumbent in this role will work in a hybrid capacity, balancing in-person collaboration three (3) days a week with remote flexibility two (2) days a week. As part of our team, you'll experience the energy and relationship-building of face-to-face collaboration while still enjoying the flexibility of remote workdays. We provide the tools and technology to ensure seamless transitions between work environments, supporting your productivity wherever you are. Please note that work location is subject to change based on business needs.
Benefits Overview:
We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:
Medical, Dental, Vision Insurance
401k, With Matching Contributions
Time Off Programs
Health Savings Account (HSA)/Dependent Care
Employee Banking
Growth Opportunities
Tuition Assistance
Short-Term/Long-Term Disability Insurance
Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.
For additional information regarding compensation and benefits, e-mail FNBO at TAGAdmin@fnni.com. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.
Job number: R-20260862
Equal Opportunity & Belonging:
FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.
FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.
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FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC
FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)
Application Deadline:
All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.