Job description

The Senior Product Manager - Digital Payments will take ownership of the digital payment experience and shape the next generation of payments and transfers capabilities for clients around the world. This role is with Citi's Payments and Transfers product team leading roadmap strategy, digital adoption, and client-centric product delivery across a portfolio that includes Wires, ACH and embedded banking solutions for Small Business payments. This work is at the intersection of client insight, competitive intelligence, and cross-functional collaboration to position Citi as the partner of choice for digital payments. Responsibilities: • Own and continuously enhance the end-to-end digital payment journey, spanning Wires and ACH Payments initiation, servicing, and reporting, to deliver seamless client experiences at scale for Small Business payments • Lead end-to-end product management for Digital Cash Management solutions including Wire Payments & ACH originations for Small Businesses • 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 client value propositions, pricing strategies, segmentation, and channel positioning to strengthen Citi's competitive standing in the digital payments market. • Partner with UX, technology, and analytics teams to translate client needs into scalable, intuitive digital solutions that measurably improve adoption and satisfaction. • Analyze competitive landscapes, market trends, and client research to identify opportunities and inform product strategy and execution priorities. • Apply qualitative and quantitative data to test product hypotheses, validate potential solutions, and guide decisions that improve client engagement and revenue performance. • Coordinate digital integration efforts with fintech partners, third-party vendors, and internal technology teams to extend capabilities through APIs and embedded banking. • Mentor newer team members and contribute to a performance-focused team environment where obstacles are resolved quickly and delivery remains on track. Experience: • 6-10 years experience in product management with proven success in ownership of digital products across their full lifecycle. • Experience in Small Business B2B or B2C payments or Cash Management Solutions is preferred • Hands-on experience with digital payment products and client journey mapping, with a clear ability to translate complex client needs into product solutions. • Analytical capability to interpret both qualitative and quantitative data, identify customer pain points, and validate product decisions with evidence. • Ability to manage shifting priorities independently, maintain delivery momentum under pressure, and adapt quickly when requirements change. • Clear and concise written and verbal communication skills, with the ability to align cross-functional teams and senior stakeholders around product priorities. • Experience working with third-party vendors or fintech partners within a regulated financial services environment. • A bachelor's degree or equivalent university qualification is required. Additional Experience & Qualifications: • Background in product management, product development, marketing, acquisitions, or product analytics within financial services • Familiarity with API-based product integrations or embedded banking models Education: • Bachelor’s degree/University degree. Master’s degree preferred in relevant field What this role offers: This is a role where your decisions shape products used by clients globally, and where your work carries real weight. You will have the strategic ownership, cross-functional access, and seniority to make a lasting impact on how businesses manage and move money through Citi's digital platforms. • Strategic ownership of high-visibility payment products, giving you direct influence over roadmap direction, product investment, and client outcomes. • A hybrid working model with 3 days in the office and 2 days working remotely, supporting a sustainable and productive balance between collaboration and focused work. • Exposure to a global network of UX, technology, analytics, and fintech partners, broadening your professional reach and the scale of your product impact. • Access to continuous learning and professional development opportunities within one of the world's leading financial institutions. • A performance-driven team culture where your contributions are visible, your decisions matter, and career progression is tied to the outcomes you deliver. • Comprehensive wellbeing and financial benefits as part of Citi's employee value proposition, designed to support you at every stage of your career. ------------------------------------------------------ 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 18, 2026 ------------------------------------------------------ Automated Processing and AI We 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. Illinois residents – AI Notice and Right ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi . View Citi’s EEO Policy Statement and the Know Your Rights poster.

Requirements

Must-haves

Own and continuously enhance the end-to-end digital payment journey, spanning Wires and ACH Payments initiation, servicing, and reporting, to deliver seamless client experiences at scale for Small Business payments
Lead end-to-end product management for Digital Cash Management solutions including Wire Payments & ACH originations for Small Businesses
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 client value propositions, pricing strategies, segmentation, and channel positioning to strengthen Citi's competitive standing in the digital payments market.
Partner with UX, technology, and analytics teams to translate client needs into scalable, intuitive digital solutions that measurably improve adoption and satisfaction.
Analyze competitive landscapes, market trends, and client research to identify opportunities and inform product strategy and execution priorities.
Apply qualitative and quantitative data to test product hypotheses, validate potential solutions, and guide decisions that improve client engagement and revenue performance.
Coordinate digital integration efforts with fintech partners, third-party vendors, and internal technology teams to extend capabilities through APIs and embedded banking.
Mentor newer team members and contribute to a performance-focused team environment where obstacles are resolved quickly and delivery remains on track.
6-10 years experience in product management with proven success in ownership of digital products across their full lifecycle.
Hands-on experience with digital payment products and client journey mapping, with a clear ability to translate complex client needs into product solutions.
Analytical capability to interpret both qualitative and quantitative data, identify customer pain points, and validate product decisions with evidence.
Ability to manage shifting priorities independently, maintain delivery momentum under pressure, and adapt quickly when requirements change.
Clear and concise written and verbal communication skills, with the ability to align cross-functional teams and senior stakeholders around product priorities.
Experience working with third-party vendors or fintech partners within a regulated financial services environment.
A bachelor's degree or equivalent university qualification is required.
Background in product management, product development, marketing, acquisitions, or product analytics within financial services
Familiarity with API-based product integrations or embedded banking models
Strategic ownership of high-visibility payment products, giving you direct influence over roadmap direction, product investment, and client outcomes.
A hybrid working model with 3 days in the office and 2 days working remotely, supporting a sustainable and productive balance between collaboration and focused work.
Exposure to a global network of UX, technology, analytics, and fintech partners, broadening your professional reach and the scale of your product impact.
Access to continuous learning and professional development opportunities within one of the world's leading financial institutions.

Nice-to-haves

Experience in Small Business B2B or B2C payments or Cash Management Solutions is preferred
Bachelor’s degree/University degree. Master’s degree preferred in relevant field

Application prep

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Benefits

Benefits detected in the listing.

Dental

Vision

401(K)

Paid Time Off

Wellness

Professional Development