Director of Consumer Product

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions.

We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!

SUMMARY/OBJECTIVES

The Director of Consumer Product is responsible for overseeing the strategy, management, and performance of the bank's consumer loan platforms, including personal loans, auto loans, credit cards, and home equity products. This role ensures that all consumer lending activities align with the bank's financial goals, risk appetite, regulatory requirements, and service standards. The Director works closely with senior leadership, compliance, credit risk, operations, and branch teams to drive growth while maintaining strong portfolio quality and regulatory compliance.

ESSENTIAL FUNCTIONS

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. Employee must have in depth knowledge of the consumer loan process including origination, credit underwriting, compliance and risk, and consumer banking products.

Strategic Leadership & Product Vision

• Define and execute the strategic roadmap for consumer loan products, ensuring alignment with enterprise goals and customer needs.

• Lead product lifecycle management, including ideation, development, launch, and continuous improvement.

• Establish KPIs and OKRs to measure product performance, adoption, and profitability.

• Benchmark against peer institutions and participate in industry forums to identify trends and best practices.

Operational Excellence

• Collaborate with operations, IT, and vendor partners to streamline loan origination, processing, and servicing workflows.

• Oversee system enhancements and platform governance, including consumer loan origination systems and digital banking tools.

• Drive automation and modernization of lending processes to reduce errors and improve turnaround times.

Compliance & Risk Management

• Ensure all consumer loan products comply with federal and state regulations (e.g., TILA, ECOA, FCRA, UDAAP).

• Partner with compliance and risk credit teams to maintain sound lending policies and procedures.

• Support audits and examinations, ensuring timely resolution of findings and continuous improvement.

Customer Experience & Engagement

• Collaborate with marketing and customer experience teams to develop campaigns that drive loan growth and engagement.

• Monitor customer feedback and usage data to inform product enhancements and service delivery.

• Ensure training and support materials are up-to-date and accessible for internal teams and customers.

Leadership & Collaboration

• Lead and mentor a team of product managers, analysts, and lending specialists.

• Facilitate strategic discussions with executive leadership and cross-functional teams.

• Function as a key liaison between Consumer Lending and other departments, including Finance, IT, and Compliance.

Qualifications

• Bachelor's degree in finance, Business Administration, or related field (MBA preferred).

• 10+ years of experience in consumer lending, with 5+ years in a leadership role.

• Deep understanding of consumer credit risk, pricing, and regulatory frameworks.

• Experience with loan origination systems, core banking platforms, and digital lending technologies.

• Strong analytical, communication, and decision-making skills.

• Familiarity with Agile methodologies and product management practices is a plus.

OTHER DUTIES

• Accepts other duties as assigned.

COMPETENCIES

• Deep understanding of consumer credit risk management.

• Strong compliance and regulatory knowledge.

• Analytical approach to portfolio management.

• Collaborative leadership across multiple departments.

TRAINING REQUIREMENTS/CLASSES
Required annual compliance training and additional relevant training identified by Management, new employee orientation.

PHYSICAL DEMANDS
Must be able to stand and/or sit for extended periods of time. Must be able to effectively access and interpret information on computer screens, documents, reports, and be able to thrive in the fast-paced environment of the Consumer Credit Admin department.

WORK ENVIRONMENT
Telecommuting roles no matter if hybrid or 100% full time telecommuting must have a secure home office environment that is free from background noise and distractions. They must also have a reliable private internet connection that is not supplied by cellular data (hot spot). Cable or fiber connections are preferred. Requirements are subject to change, as new systems and technology is delivered. Travel may be required to come to meetings as needed.

Equal Opportunity Employer, including disabled/veterans.