Head of Consumer Bank Portfolio Management

Flagstar Bank

. Own the economics of the consumer deposit portfolio across products and segments, including cost of funds, mix strategy, deposit growth, retention, and margin .

Posted 10/1/2026full-timeRemote • New York • United StatesLead💰 $185,159 - $310,916 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in deposit pricing, P&L management, and forecasting, with a strong command of deposit economics and the ability to lead multidisciplinary teams in analytics and insights. Proven track record in presenting strategic recommendations to executive audiences while ensuring compliance with regulatory standards.

Highest-signal resume keywords

Deposit Pricing StrategyP&L ManagementForecasting and Scenario AnalysisBehavioral Segmentation and ModelingLeadership in Financial Analytics

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Deposit EconomicsCost of FundsNet Interest IncomePortfolio Performance FrameworksPrice Elasticity AnalysisDeposit Behavioral ModelingInterest Expense AttributionVariance AnalysisMultidisciplinary Team LeadershipFinancial Forecasting

Soft Skills

Presentation SkillsTalent ManagementCompliance AdherenceAnalytical ThinkingStrategic Decision-Making

Certifications & Qualifications

Undergraduate DegreeAdvanced Degree in Finance or Related Field

Industry Keywords

BankingFinancial ServicesConsumer Deposit PortfolioTreasury ManagementRegulatory Compliance

About the role

Key responsibilities & impact

Own the economics of the consumer deposit portfolio across products and segments, including cost of funds, mix strategy, deposit growth, retention, and margin
Set the multiyear direction for deposit pricing and management
Own rate strategy for standard pricing, promotional offers, and exception pricing
Present rate recommendations to pricing governance forums and executive audiences
Own consumer deposit portfolio P&L, including interest expense, net interest income, product and segment contribution, and performance against plan
Establish interest expense attribution and reconciliation with Finance and Treasury
Own deposit balance and rate forecasts, retention projections, assumptions, and scenario analysis
Build a forecasting capability controlled by the function
Lead insights and analytics covering price elasticity, behavioral segmentation, competitive and market insight, and portfolio reporting
Direct data science and modeling for deposit behavior, rate sensitivity, retention, and balance migration
Establish portfolio performance frameworks tracking cost of funds, acquisition, augmentation, and attrition
Build and lead the function across pricing, P&L management and forecasting, and insights and analytics
Establish accountability with Finance, Treasury, and enterprise data teams
Manage talent, including hiring, performance evaluations, development, disciplinary actions, succession planning, and compliance
Perform special projects and additional duties as required
Maintain compliance with applicable laws, regulations, and policies

Requirements

What you’ll need

Undergraduate Degree (4 years or equivalent), or equivalent work experience
12+ years in deposit pricing, treasury, balance sheet management, or a related finance discipline
Leadership of pricing, P&L management, forecasting, and analytical work for a consumer deposit portfolio
Command of deposit economics, including cost of funds and net interest income
Ownership of a portfolio P&L, including interest expense, net interest income, product and segment contribution, and variance to plan
Ownership of balance and rate forecasts, scenario construction, and supporting analysis
Direction of analytical work, including price elasticity, behavioral segmentation, modeling, and performance analysis
Fluency in deposit pricing across product and segment
Experience presenting pricing and forecasting recommendations to executive and governance forums
Experience building and leading a multidisciplinary function spanning pricing, forecasting, and analytics
Occasional travel required
Ability to comply with regulatory and compliance policies and standards
Advanced degree in finance, economics, statistics, or a related quantitative field preferred
Banking or financial services experience preferred
Experience building deposit portfolio management, P&L, or analytical functions preferred
Experience establishing interest expense attribution or funds transfer pricing logic preferred
Familiarity with deposit behavioral modeling and price elasticity preferred

Benefits

Comp & perks

Medical insurance
Dental insurance
Vision insurance
Life insurance
Disability insurance
Comprehensive leave program
Variable incentives, bonuses, commissions, or other awards may be included in total compensation