Citizens Financial Group, Inc

Product Manager

Citizens Financial Group, Inc$125K — $140K *
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree in Finance, Economics, Business Analytics, or related field
  • 5+ years in analytics, finance, or business management in payments or financial services
  • Strong financial modeling and market research skills
  • Advanced Excel abilities with comfort in handling large datasets
  • AI fluency and experience with generative AI tools for data processing
  • Familiarity with Argus analytics or similar payment analytics platforms

Responsibilities

  • Independently manage MBR and QBR analytics for Commercial Card and Merchant
  • Analyze revenue drivers and highlight variances in pricing and client mix
  • Conduct product and interchange variance analysis based on market dynamics
  • Utilize Argus and related tools for in-depth trend analysis
  • Provide structured, data-driven responses to executive requests
  • Enhance reporting efficiency and automate analytical processes
  • Support pricing model maintenance and develop predictive pricing models
  • Oversee a centralized contract repository for commercial card agreements

Benefits

  • Comprehensive medical, dental, and vision coverage
  • Retirement benefits
  • Maternity/paternity leave
  • Flexible work arrangements
  • Education reimbursement
  • Wellness programs
  • Generous paid time off policy
Full Job Description
Job Description

Commercial Card & Merchant Business Associate, AVP

Role Purpose

The Commercial Card & Merchant Analyst is responsible for delivering disciplined performance management, analytics, and executive-ready insights across the Commercial Card and Merchant businesses. The role owns Monthly and Quarterly Business Review (MBR/QBR) process, develops deep performance insights across sales and revenue, and supports leadership decision-making through fact-based analysis and clear storytelling.

Responsibilities
  • Independently own MBR and QBR analytics and reporting for Commercial Card and Merchant; proactively identify emerging trends, risks, and opportunities for senior leadership discussion
  • Analyze revenue realization, highlighting drivers of variance such as pricing, client mix, volume shifts, and timing impacts
  • Perform product and interchange variance analysis, identifying impacts from (volume) mix, network changes, fee structures, and market dynamics
  • Leverage Argus analytics and related tools to perform ad hoc trend analysis and transaction-level deep dives
  • Respond to executive and business partner requests with structured, data-driven analysis that informs action and decision-making
  • Identify opportunities to enhance reporting efficiency, automate processes, and improve analytic transparency
  • Support and maintain pricing models for the Commercial Card and Sponsorship businesses, including the development and analysis of predictive pricing models to inform revenue optimization and competitive positioning strategies; assist in developing a next gen pricing tool
  • Develop and manage a centralized contract repository, overseeing the end-to-end lifecycle of commercial card agreements to ensure accuracy, governance, and operational efficiency
  • Act as a trusted analytics partner to Commercial Card and Merchant Sales, Product, Finance, and Business Management team (including client transaction reconciliation)

Qualifications
  • Bachelor's degree in Finance, Economics, Business Analytics, or related field
  • 5+ years of relevant experience in analytics, finance, or business management within payments, commercial card, merchant services, or financial services
  • Strong financial modeling, market research and analytical skills
  • Advanced Excel skills and comfort working with large, complex datasets (preferred experience with database querying and data visualization tools)
  • AI fluency, including experience using generative AI tools to synthesize data, automate workflows, and critically assess outputs to support decision-making
  • Familiarity with Argus analytics or similar payment analytics platforms (preferred)


Pay Transparency

The salary range for this position is $125,000 to $140,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.

Hours & Work Schedule
  • Hours per Week: 40 +
  • Work Schedule: 4 days in-office, 1 day remote


#LI-Citizens1

About Citizens Financial Group, Inc

Citizens Bank is a financial service company. It provides outstanding local and personalized service. It offers a full range of commercial, real estate, and consumer lending. It is specialized in personal and small business deposit services, electronic services.

Citizens Financial Group, Inc. Careers

Join the dynamic team at Citizens Financial Group, Inc., a leading financial institution where your career aspirations can soar. We are committed to fostering a culture of innovation, leadership, and diversity that supports our employees' professional growth and development.

Explore Job Opportunities

At Citizens Financial Group, Inc., we offer a wide range of job opportunities that cater to diverse skill sets and career interests. Whether you're a seasoned professional or just starting out, you'll find a position that challenges you and enhances your expertise.

Internship Programs

Kickstart your career with our internship programs designed to give you a hands-on experience in the financial sector. Our internships provide a robust platform to develop your skills, engage in meaningful projects, and network with industry leaders.

Employment Benefits

Choosing a career with Citizens Financial Group, Inc. means opting for a comprehensive package of benefits. We believe in supporting our team members not only in their professional lives but also in their personal growth and well-being.

Inclusive Culture and Diversity Training

We pride ourselves on a workplace culture that embraces diversity and inclusivity. Regular diversity training ensures that our team members appreciate and leverage the unique backgrounds and perspectives that each individual brings to the company.

Professional Growth and Leadership Development

Continuous learning is at the core of our professional development agenda. With access to leadership development programs and tailored training, you can advance your career and leadership skills at Citizens Financial Group, Inc.

Innovation at Work

Innovation is key to staying competitive in the financial industry. At Citizens Financial Group, Inc., you’ll work alongside talented professionals who are pushing the boundaries of what’s possible in financial services.

Networking and Career Advancement

Our company not only provides job opportunities but also fosters an environment where networking and professional connections flourish. This supportive network is vital for career advancement and personal growth within the industry.

Join Our Team

Are you ready to take the next step in your career? Explore the open positions at Citizens Financial Group, Inc. and find where your skills and passions align with our needs. We are continuously hiring and looking for new talents to join our robust team.

Stay Connected

Keep up to date with the latest career tips, industry insights, and job openings at Citizens Financial Group, Inc. Subscribe to our careers blog and personalize your job alerts to match your preferences and career goals.

Prepare for Your Interview

Make a great first impression. Prepare for your interview with us by researching our company culture, reviewing your resume, and coming ready to discuss how your experience and skills align with the position you are applying for. At Citizens Financial Group, Inc., we are more than just a financial institution; we are a place where you can make a difference. Join us and transform your career with a company that values your unique talents and aspirations.
Learn more about Citizens Financial Group, Inc
Size
17,463 employees
Market Cap
$19.3 billion
Industry
Net Income
$1 billion
Founded
1828
5 Year Trend
+2.6%
NASDAQ

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