Citi is seeking a North America Commercial Cards B2B Payables Lead to own the strategy, development, and performance of its commercial cards business across the region. In this leadership role, you will set the product vision and collaborate across technology, operations, finance, and coverage teams to deliver client-focused solutions that grow market share and advance Citi's competitive position. This is a high-impact opportunity to shape the direction of a strategically significant product portfolio at one of the world's leading financial institutions.
Responsibilities- Lead the North America commercial cards B2B Payables product strategy, defining roadmap priorities, go-to-market approach, and delivery model to expand market presence and drive revenue growth.
- Partner with technology, operations, and regional teams to coordinate the launch of new product capabilities and ensure timely, cost-effective delivery of strategically aligned solutions.
- Drive client value propositions, pricing, segmentation, and competitive differentiation to strengthen Citi's position as a preferred commercial cards partner.
- Collaborate with finance to evaluate product investment decisions, monitor revenue and expense performance, and track benefits realization against business plans.
- Translate client feedback and market research into actionable product plans, working with coverage and cross-functional teams to close gaps and capture new opportunities.
- Monitor market trends, competitor activity, and emerging technologies to inform product innovation and maintain a forward-looking roadmap.
- Ensure all product documentation, approval processes, and risk controls are maintained to the highest standards, exercising sound judgment and escalating issues where necessary.
- Act as the product authority in complex client engagements, providing solution expertise that accelerates deal closure and deepens client relationships.
Required Qualifications & Skills- 10 or more years of experience in product management, commercial banking, or a related financial services discipline, with demonstrated expertise in commercial cards B2B payments.
- Experience spanning multiple product management functions including marketing, credit, acquisitions, product development, and analytics.
- Ability to operate independently in a fast-paced environment, managing shifting priorities and competing deadlines without loss of quality or focus.
- Strong analytical and problem-solving capabilities, with the ability to translate complex data and market signals into clear product decisions.
- Clear and concise communicator, able to influence senior stakeholders and align cross-functional teams around shared goals.
- Bachelor's degree or equivalent professional experience.
Beneficial Skills & Qualifications- Master's degree in business, finance, or a related field.
- Experience in electronic banking channels and corporate cash management, with familiarity in business analysis and system analysis.
- Established relationships with external partners or technology alliances relevant to commercial cards or B2B payment innovation.
What We OfferAt Citi, you will work at the center of a global financial institution where your decisions carry real weight and your leadership shapes outcomes at scale. This role offers the strategic scope, team, and resources to make a meaningful impact on one of Citi's most important product businesses in North America.
- A hybrid working model with 3 days in the office and 2 days working remotely, giving you flexibility while staying connected to your team.
- Influence over a strategically significant product portfolio, with direct accountability for financial performance and market outcomes.
- Collaboration with global and regional teams across technology, operations, finance, and client coverage, providing broad exposure and cross-functional impact.
- Access to learning and development programs designed to support continued professional growth at the most senior levels.
- Wellbeing support and financial benefits structured to reflect the seniority and demands of a leadership role.
- The opportunity to lead product innovation at scale, working with external partners and shaping the future direction of commercial cards in North America.
Apply now to lead the North America Commercial Cards B2B business and drive product strategy that delivers measurable impact for Citi's clients and the firm.
Job Family Group: Product Management and Development
Job Family:Market Segments and Services
Time Type:Full time
Primary Location:New York New York United States
Primary Location Full Time Salary Range:$163,600.00 - $245,400.00
In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
Most Relevant Skills Please see the requirements listed above.
Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date:Automated Processing and AIWe use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.
Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.
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