Product Manager

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

  
  

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Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

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Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.