Head of Product - Consumer & Private Banking
About the job
- A bachelor's degree in business, finance, accounting, economics, or a relevant field is required; an MBA is preferred.
- At least 10 years of experience in financial services product strategy, product management, or customer experience is required.
- Experience building scaled, market-leading products is required.
- Proven success managing product teams and partnering with cross-functional stakeholders is required.
- Experience working at fintech companies or leading fintech initiatives within traditional banking organizations is required.
- Knowledge of consumer trends, wealth technology, and emerging banking solutions is required.
- The ability to set product vision, develop long-term roadmaps, and execute product strategy for user-centric products is required.
- Knowledge of advanced market research and competitive intelligence is required.
- The ability to identify market opportunities and translate insights into product innovation is required.
- Strong financial acumen and understanding of profit and loss management are required.
- Advanced analytical skills focused on cost-benefit analysis and revenue optimization are required.
- The ability to recruit, mentor, and grow product teams and drive collaboration across technology, operations, compliance, and other internal partners is required.
- Develop and deliver the long-term vision for Consumer and Private Banking product lines and set roadmaps based on customer needs, market trends, and the competitive landscape.
- Identify distinct customer segments and tailor product offerings to their specific needs and financial goals.
- Own product features, pricing strategies, product positioning, and go-to-market strategies for new consumer products and enhancements to existing products.
- Assess competitive pricing and define pricing strategy based on deposits, customer portfolios, and the competitive landscape.
- Work with marketing, retail, operations, risk management, and technology teams to ensure seamless product launches and ongoing product management.
- Use data to understand product adoption, measure product performance, understand customer behavior patterns, and inform strategic decision-making.
- Own product-level profit and loss and assess the financial viability of new products; develop business cases with return on investment and revenue projections.
- Monitor products, pricing, and fees; identify optimization opportunities and partner on adoption enhancements.
- Monitor regulatory changes and ensure product offerings adhere to relevant banking laws and guidelines.
- Build collaborative relationships across design, engineering, and operations at team and organizational levels.
- Define and deliver consumer, retail, and private banking product roadmaps with clear success metrics and adoption targets.
- Management consulting experience is valued.
- An MBA is preferred.
About the company
Texas Capital Bancshares, Inc. acts as the parent company for Texas Capital Bank, providing a full range of banking and financial services in Texas. Its offerings cover commercial banking for businesses, consumer banking, investment banking, and wealth management, delivered through branches and digital channels across Austin, Dallas, Fort Worth, Houston, and San Antonio. The bank uses a mix of its own technology and selected third‑party platforms to support client needs and efficiency, enabling customized financial solutions throughout a client’s life cycle. Its goal is to strengthen its position in the Texas banking market by growing scale and expanding its regional presence while serving commercial, consumer, investment, and wealth clients.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
Dallas, Texas
Founded
1998
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Simplify's Take
What believers are saying
- Q2 2026 revenue rose 8.3% to $335.5 million, with record fee income.
- Mo Jamous joined July 13, 2026, strengthening AI, data, and security execution.
- Management repurchased 239,348 shares in Q2 2026, signaling confidence in capital strength.
What critics are saying
- The April 2026 breach exposed names and Social Security numbers for 86,067 people.
- Class-action firms are investigating, and reputational damage will pressure client retention through 2026.
- Regional-bank competitors keep matching digital treasury and AI capabilities, eroding Texas Capital's moat.
What makes Texas Capital Bank unique
- Big Sky cloud platform gives Texas Capital 250 internal APIs and faster client onboarding.
- Ranger multi-LLM AI already reaches 80% of employees, powering loan ops and fraud.
- Texas Capital integrates commercial banking, wealth, and investment banking across Texas metros.
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Benefits
Health Insurance
Wellness Program
Life Insurance
Disability Insurance
401(k) Company Match
Paid Vacation
Paid Holidays
Unlimited Paid Time Off
Company News
W&T Offshore has converted its $50 million revolving credit facility into a reserve-based lending facility, effective 1 October 2026. The amendment removes the 75% excess cash flow sweep, quarterly balance repayment requirements, and the $100 million minimum asset coverage covenant. The company increased its annual restricted payments basket by 50% to $15 million, providing greater flexibility for shareholder returns. The facility maintains an initial borrowing base of $50 million with potential expansion to $100 million, subject to lender consent. Interest rate margins, maturity, collateral, and financial covenants remain unchanged, including a maximum net leverage ratio of 2.50x. No amendment fees were charged. CIBC rejoined the bank group with a $10 million commitment. W&T reported total liquidity of approximately $234 million entering the fourth quarter of 2026.
Red Robin Gourmet Burgers completed refinancing of its secured credit facility on 2 October 2026. The new $115 million facility comprises a $25 million revolving line of credit and a $90 million term loan, maturing in October 2031. The refinancing follows Red Robin's sale of 108 company-owned restaurants to three franchisees for approximately $89.4 million in gross proceeds. An additional eight restaurants are expected to be sold by year-end for $6.6 million, bringing total proceeds to approximately $96 million from 116 restaurants. The move is part of Red Robin's First Choice Plan to strengthen its balance sheet. Chief executive Dave Pace said the new facility provides "a stronger financial foundation" and "greater financial flexibility" to invest in restaurants and support franchise partners. JPMorgan Chase Bank served as administrative agent and collateral agent for the facility.
CB&I, a provider of integrated storage and asset-management solutions, has closed an upsized senior secured credit facility of $625 million, up from $400 million. The expanded facility comprises a $500 million revolving credit facility and a new $125 million Term Loan A, both maturing on 4 December 2028. The additional capacity replenishes cash used to acquire Asset Solutions, previously part of the Petrofac Group, and enhances financial flexibility for future investments. The revolving credit facility remains undrawn at closing, with CB&I having no funded debt outstanding. Citibank led the syndication, which added Goldman Sachs Bank USA and Zions Bancorporation to the lending group. Existing lenders include Truist Securities, National Bank of Canada, Webster Bank, Texas Capital Bank, Crédit Agricole CIB, Wells Fargo, and J.P. Morgan.
Texas Capital Bancshares reported second-quarter results that exceeded Wall Street expectations. Revenue rose 8.3% year on year to $335.5 million, beating analyst estimates of $333.5 million. The regional banking firm posted adjusted earnings of $1.88 per share, surpassing consensus estimates of $1.86 by 1.3%. Net interest income reached $260.4 million, though this fell slightly short of analyst projections of $262.9 million. The company's net interest margin came in at 3.3%, missing estimates of 3.4%. Its efficiency ratio was 61.3%, compared with analyst expectations of 59.9%. Over the past two years, Texas Capital Bank has achieved annualised revenue growth of 12.6%, an acceleration from its five-year compound annual growth rate of 5.8%. Net interest income accounts for 84.1% of total revenue over the last five years.
Texas Capital Bancshares has appointed Mo Jamous as managing director and chief digital and information officer, effective immediately. Jamous will oversee the firm's technology strategy, including infrastructure, enterprise architecture, application development, data platforms, AI enablement, and information security. He joins from U.S. Bank, where he served as chief information officer for consumer, business banking, and AI/ML technologies. Previously, Jamous was head of global digital technologies at BBVA, leading the bank's digital transformation. Jamous will report to chairman, president, and CEO Rob C. Holmes and serve on the firm's operating council. Holmes said Jamous would strengthen the technology platform and drive innovation to support strategic objectives.