Citigroup, Inc

Senior Product Manager, Digital Payments - Small Business

Citigroup, Inc • $114K — $172K *
Irving, TX 75061Hybrid
Finance & Insurance
5 - 7 years of experience
Today
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Job Overview by Ladders

Qualifications

  • 6-10 years of product management experience, specifically in payment products or cash management
  • Strong knowledge of ACH, Wire, and Real-Time payments processing
  • Ability to analyze product performance data to inform product strategy
  • Excellent written and verbal communication skills for cross-functional collaboration
  • Proven ability to manage competing priorities in a fast-paced environment
  • Bachelor's degree required; Master's degree preferred
  • Background in small business payments or product analytics within financial services preferred

Responsibilities

  • Lead product management for Digital Cash Management solutions.
  • Develop and implement ACH fraud mitigation capabilities.
  • Execute strategic product roadmaps for Payments and Transfers.
  • Identify enhancements for processing efficiency and competitive positioning.
  • Collaborate with UX, technology, and analytics teams for improved digital solutions.
  • Coordinate with fintech partners and technology teams for API integrations.
  • Analyze market trends and client feedback for product strategy adjustments.
  • Monitor product performance and suggest improvements for client satisfaction.

Benefits

  • Direct ownership of impactful payment and fraud control products.
  • Hybrid work model with flexibility for remote work.
  • Collaboration with compliance, risk, and technology teams for broad exposure.
  • Access to continuous professional development within a leading financial institution.
  • Visible contributions leading to career progression based on performance.
  • Comprehensive benefits supporting financial wellbeing and personal development.
Full Job Description
The Senior Product Manager - Digital Payments will take ownership of core cash management & payment capabilities that small businesses rely on every day to move money securely and efficiently. This role is with Citi's Digital Payments product team and focuses on ACH originations, fraud mitigation and client-facing payment controls while also working at the intersection of product delivery, risk partnership and client experience. This work will define what gets built, shape how it performs and ensure clients have the secure & scalable tools needed to manage payments with confidence.

Responsibilities:
  • Lead end-to-end product management for Digital Cash Management solutions including ACH originations, Real-time Payments & Wire Payments for Small Businesses.
  • Own the development and optimization of ACH fraud mitigation capabilities, including Positive Pay, Debit Block, and Debit Filter solutions, to protect clients against unauthorized payment activity.
  • Lead the development and execution of strategic product roadmaps for Payments and Transfers capabilities, coordinating product launches, enhancements, and marketing to maximize business impact.
  • Shape strategic product roadmaps for payments and cash management capabilities, identifying enhancements that improve processing efficiency and strengthen competitive positioning.
  • Partner with UX, technology, and analytics teams to translate client needs into scalable, intuitive digital solutions that measurably improve adoption and satisfaction.
  • Coordinate digital integration efforts with fintech partners, third-party vendors, and internal technology teams to extend capabilities through APIs and embedded banking.
  • Analyze competitive landscapes, market trends, and client research to identify opportunities and inform product strategy and execution priorities.
  • Monitor product performance metrics and translate findings into targeted improvements that increase client adoption, payment accuracy, and overall satisfaction.
  • Develop and apply client and market insights to validate product decisions, identify gaps in current capabilities, and prioritize the most impactful enhancements.


Experience:
  • 6-10 years experience in product management, with direct ownership of payment products or cash management capabilities across their full lifecycle.
  • Practical knowledge of ACH, Wires, Real-Time payments processing and payment operations with the ability to translate that expertise into product decisions that improve client outcomes.
  • Analytical capability to interpret product performance data, identify client pain points, and build evidence-based cases for product investment and prioritization.
  • Clear written and verbal communication skills, with the ability to align cross-functional stakeholders and articulate complex payment concepts in plain language.
  • Ability to manage competing priorities independently, maintain delivery pace under pressure, and adjust quickly when requirements or timelines shift.
  • A bachelor's degree or equivalent university qualification is required.


Additional Experience & Qualifications:
  • Background in small business payments, acquisitions, or product analytics within financial services
  • Familiarity with API-based payment processing or experience defining product requirements


Education:
  • Bachelor's degree/University degree. Master's degree preferred


What this role offers:

This is a role where your product decisions directly protect clients and improve the way businesses manage payments at scale. You will have real ownership, cross-functional influence, and the resources of a global financial institution behind the work you lead.
  • Direct ownership of high-impact payment and fraud control products that small business clients across the country depend on daily.
  • A hybrid working model with 3 days in the office and 2 days working remotely, designed to balance team collaboration with focused, productive work time.
  • Close collaboration with risk, compliance, and technology teams, giving you broad cross-functional exposure and the opportunity to build expertise across the payments ecosystem.
  • Access to ongoing learning and professional development opportunities within one of the world's leading financial services organisations.
  • A performance-driven environment where your contributions are visible, your product decisions carry weight, and your career progression reflects the outcomes you deliver.
  • Comprehensive financial wellbeing and employee benefits as part of Citi's total rewards offering, supporting your long-term financial security and personal wellbeing.


Job Family Group:
Product Management and Development

Job Family:
Product Management

Time Type:
Full time

Primary Location:
Irving Texas United States

Primary Location Full Time Salary Range:
$114,720.00 - $172,080.00

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:
Aug 12, 2026

About Citigroup, Inc

Citigroup is a financial services holding company that provides financial products and services. The company operates through two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, commercial banking, Citi-branded cards, and Citi retail services. The ICG segment offers various banking, and financial products and services to corporate, institutional, public sector, and high-net-worth clients. This segment provides wholesale banking products and services, including fixed-income and equity sales and trading, foreign exchange, prime brokerage, derivative services, equity and fixed-income research, corporate lending, investment banking, and advisory services, private banking, cash management, trade finance, and securities services. Citi is committed to sustainability and social responsibility, and the company invests in initiatives that promote economic progress.

Citigroup, Inc Careers

Join the vibrant team at Citigroup, Inc, a leading global bank, and propel your career into the future. Citigroup offers a plethora of job opportunities that span across various fields and expertise, making it an ideal place for ambitious professionals to thrive.

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Learn more about Citigroup, Inc
Market Cap
$1.3 billion
Industry
Finance & Insurance
Net Income
$89.6 million
Founded
1812
5 Year Trend
+4.6%
NASDAQ
C
* Ladders Estimates

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