Digital Product Manager - Embedded Banking & API

DescriptionWe are seeking an experienced product manager to support our innovative Embedded Banking & API solutions. As the driving force behind our product vision, and subject matter expert, you will be responsible for shaping and executing the roadmap, ensuring alignment with business goals and customer needs.Collaborating closely with cross-functional teams including product management, engineering, design, marketing, sales, customer service, and fintechs, you will establish and scale a new cross functional Embedded Banking capability for Citizens while driving continuous innovation & enhanced customer experience. Responsibilities:

Support the Embedded Banking strategy for Citizens Treasury Solutions to keep and grow our client base while improving customer experiences.

Oversee the integration of information reporting and payment services into non-traditional banking platforms, such as ERPs, TMS, Accounting SW, and third-party apps.

Implement embedded banking solutions through the enablement of Citizens and third-party APIs.

Identify opportunities to generate revenue through API offerings, exploring new business models and pricing strategies.

Identify and execute on Fintech partnerships to establish leadership in this space.

Lead the product development and management of ERPConnect, Citizens embedded banking plug-in solution for selected ERPs and accounting SW.

Support the ongoing development efforts for the Commercial Digital Gateway, Citizens Commercial Bank client portal, on behalf of Treasury Solutions products and services.

The functions of the role include:

Strategy development, and roadmap management.

Organize technical capacity following Agile methodology.

Roll Out / Product and Customer Readiness (Training Plans, Marketing Plans, Implementation Plans).

Stakeholder Management: Collaborate with internal stakeholders and vendors to gather feedback, prioritize features, and ensure alignment with business objectives.

Risk / Legal: Collaborate with Risk, Legal and compliance teams to navigate regulatory and security requirements.

Vendor Management.

Marketing: Create compelling collateral and campaigns to promote product commercialization.

Product Pricing and Billing.

Team Leadership: Provide mentorship, guidance, and support to foster professional growth and excellence.

Customer Engagement: Engage with customers to gather feedback, understand use cases, and prioritize feature requests to enhance customer satisfaction and loyalty.

Define key performance indicators (KPIs) and monitor product performance to drive continuous improvement and achieve business objectives.

Continuous Improvement: Conduct market research, competitor analysis, monitor industry advancements and technological trends to identify opportunities for product improvement and differentiation.

Qualifications

Proven experience (10+ years) implementing online, mobile, and embedded banking solutions.

Demonstrated success in developing and executing product strategies.

Strong technical, influential, and strategic abilities to help drive the success of our enterprise initiatives.

Direct knowledge of industry standards and best practices for open banking API product design , such as Open banking FDX, 2-legged and 3-legged OAuth, ERP Connectors, Account aggregators integrations, API authentication, authorization/entitlements, consent management, etc.

Excellent leadership and communication skills.

Ability to thrive in a fast-paced, dynamic environment.

Expertise in the delivery, market value, and industry position of a product area.

Experience executing in layered, complex organizations with wide range of cross-functional stakeholders.

Proven track record of identifying and executing fintech partnerships.

Solid understanding of commercial banking product, operations, sales, service, and technical practices.

Education, Certification, and/or Other Professional Credentials:

Bachelor’s Degree required

Master’s Degree preferred

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.Equal Employment OpportunityAt Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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.Equal Employment and Opportunity EmployerCitizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.Why Work for UsAt Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growthBackground CheckAny 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.