Credit Card Product & Offer Development Partner

Responsible for defining and leading product suite & offer innovation for the consumer credit card business. This role will be integral part of the consumer card business and lead product(s) and offer innovation to ensure and deliver card products that fit the needs of our growing customer base.  Translating customer and market insight, market opportunity, profitability, and competitive dynamics into a clear path to developing best in class product offerings with clearly defined strategy across product value propositions, offers, and capabilities. 

This leader will own the product development agenda, leading in a cross-functional leadership role in a highly matrixed environment, providing strategic leadership across key partners within Product, Marketing, Digital, Distribution, Risk Analytics, Finance, Operations, and Technology. The position requires a balance of long-term vision with hands-on execution rigor to ensure strategy translates to measurable business impact.   

Primary Responsibilities include: 

• Define and lead the multi-year credit card product offering strategy aligned to enterprise objectives 
• Identify market and competitive opportunity to develop competitive product offerings to increase acquisitions and drive sustainable growth 
• Optimize performance across existing products with offer and capability enhancements. Define needs, roles, economics and integration across the organization and desired customer journey.  
• Define and own the credit card product value position – ensuring it reflects customer needs, market opportunities and business objectives.  Current and future state
• Translate strategic intent into actionable roadmaps – clearly articulating priorities and desired outcomes for delivery and partner teams
• Establish expected outcomes and measurement plan aligned to actions 

Skillsets needed: 

• Proven track record of driving product development initiatives within cards, lending, or consumer financial services; strong consumer card experience desired 
• Deep understanding of acquisition and portfolio economics for credit card product, lifecycle management, and customer value creation
• Strategic architect with the ability to operate in the details; ability to equally set strategic vision and execute 
• Enterprise leader skilled at influencing across a complex, matrixed environment as an individual contributor 
• Builder mentality – comfortable operating in maturing state and overall scaling business driven.  Someone who can build processes vs follow
• Demonstrated ability to translate strategy into measurable financial outcomes 
• Required Qualifications
  • Bachelors Degree
  • 10+ years of Credit Card product and/or product marketing experience
  • Strong knowledge and mastery of the credit card industry and product economics
  • Demonstrated success in building and scaling new credit card products and programs
• Preferred Qualifications
  • MBA

  • 5+ years in a product development role across major bank issuers

    
    

Hours & Work Schedule

• Hours per Week:  40
• Work Schedule:  Full Time M-F 8:30-5:30pm; 4 days in office 

Pay Transparency 

The salary range for this position is $130,000 - $250,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the budget, 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 every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits .

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.

Equal Employment and Opportunity Employer

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Background Check

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.