Senior Digital Product Manager

Your Opportunity

At Schwab, you’re empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us “challenge the status quo” and transform the finance industry together.

We believe in the importance of in-office collaboration and fully intend for the selected candidate for this role to work on site in the specified location(s).

Applicants must be currently authorized to work in the United States on a full-time basis without employer sponsorship.

The SPARK team is responsible for delivering simple, trusted and connected digital experiences across the client lifecycle, including Account Open, Account Maintenance, Rep Assisted, Digital Welcome and New Product Request (NPR) experiences. We collaborate with user experience and design, business, technology, operations, service, risk and compliance partners across the enterprise to create solutions that make it easier for clients and representatives to accomplish their goals.

We are looking for a strategic, client-centered product leader to define and drive the intelligent assistant strategy for SPARK products and expand Charley to support all Digital Retail experiences. This Level 58 individual contributor will establish the product vision, roadmap and operating model for scalable, responsible and reusable intelligent-assistant capabilities across self-service and representative-assisted journeys.

The Senior Digital Product Manager will identify high-value opportunities for conversational assistance, personalized guidance, knowledge retrieval, workflow automation and next-best actions. You will translate strategy into measurable outcomes and partner across the firm to deliver experiences that improve client satisfaction, digital completion, representative effectiveness and operational efficiency.

If you are passionate about digital product strategy, artificial intelligence and transforming complex financial-services journeys into intuitive experiences, we want to talk with you!

The team is responsible for:

• Strategy - Setting an ambitious, clear vision for intelligent assistant/Charley across SPARK as a scalable experience that can support clients and representatives across journeys.
• Charley Expansion - Establishing the roadmap, reusable capabilities and onboarding model needed to extend Charley to all Digital Retail experiences.
• Execution - Leading product discovery and partner with the Charley team on execution, adoption, measurement and continuous improvement.
• Client and Representative Focus - Developing a deep understanding of client and representative needs and using research, data and feedback to solve meaningful problems.
• Digital Experiences - Collaborating with design, technology, data, business and control partners to create consistent, trusted and accessible intelligent-assistant experiences.
• Responsible AI - Partnering with enterprise teams to incorporate appropriate governance, transparency, security, privacy, risk and compliance considerations throughout the product lifecycle.

What you'll do:

• Define and own the multi-year intelligent assistant vision, strategy and roadmap for SPARK products, including Account Open, Account Maintenance, Rep Assisted, Digital Welcome and NPR
• Define the strategy and phased roadmap for expanding Charley to support all Digital Retail experiences within SPARK, balancing near-term use cases with a scalable long-term platform vision
• Partner with Digital Retail product leaders to identify and prioritize use cases for conversational assistance, workflow guidance, knowledge retrieval, personalization, automation and next-best actions
• Partner with enterprise AI teams to gain alignment around shared services, reusable capabilities and common interaction patterns so Charley delivers a consistent experience across products and channels
• Lead discovery and requirements definition, translating client, representative and business needs into clear product outcomes, experience requirements and a prioritized roadmap
• Partner closely with experience design, technology, architecture, data and AI teams to move concepts from experimentation through production and ongoing optimization
• Develop business cases and define measurable success criteria, including adoption, satisfaction, completion, containment, representative productivity, quality and operational efficiency
• Use research, analytics, experimentation and feedback to evaluate performance, identify opportunities and continuously improve the experience
• Partner with Legal, Compliance, Risk, Privacy, Information Security and enterprise AI governance teams to support responsible, explainable and trusted AI-enabled experiences
• Communicate product strategy, roadmap, progress, insights and recommendations to senior leaders and cross-functional stakeholders
• Serve as the product advocate and subject-matter expert for Charley and intelligent-assistant capabilities across SPARK

What you have

Required Qualifications

• Strong digital product management skills with 7+ years of experience in product management, platform strategy or a related field
• Demonstrated experience defining product strategy and translating a long-term vision into roadmaps, prioritized outcomes and measurable delivery plans
• Working knowledge of generative AI, conversational experiences, intelligent automation, knowledge retrieval or recommendation capabilities, with the ability to translate technical concepts into client and business value
• Demonstrated ability to synthesize qualitative and quantitative data, identify opportunities and drive recommendations
• Exceptional written and verbal communication skills, including the ability to explain complex concepts and trade-offs, tell a compelling story and influence at all levels of the organization
• Proven ability to lead through influence and create alignment across product, design, technology, operations and control partners without direct authority
• Ability to navigate ambiguity, frame complex challenges, make thoughtful trade-offs and maintain momentum in a dynamic environment

Preferred Qualifications

• Strong understanding of responsible AI, privacy, security, risk or model-governance considerations
• Experience in financial services, digital onboarding, servicing or representative-facing experiences

In addition to the salary range, this role is also eligible for bonus or incentive opportunities.