Job Description
We are seeking a highly motivated, passionate, and collaborative individual to join the Embedded Finance team as an Embedded Finance Product Manager.
The goal of the Embedded Finance team is to develop and deploy embedded finance capabilities for brands, FinTech platforms, software companies, and other businesses who want to embed financial products into their customer offerings. The team also works to promote seamless use of Citizens services for customers by delivering Citizens financial products to Citizen’s customers within the platforms and places where they spend their time.
The Embedded Finance Product Manager partners with colleagues across products, sales, risk, compliance, technology on initiatives spanning consumer banking, business banking (SMBs) and commercial banking (mid-large corps).
Primary Responsibilities:
- Become and serve as a subject matter expert on embedded finance and its sub-flavors (embedded payments, embedded lending, embedded card issuance, embedded deposit solutions, etc.).
- Educate and train internal colleagues on embedded finance. In particular, train client-facing colleagues how to identify embedded finance opportunities within their portfolios.
- Deliver new embedded finance capabilities for Citizens. Partner closely with internal product, risk, and tech teams to scope, design, build, launch, pilot, and scale new embedded financial capabilities.
- Work with credit, risk, compliance, and product teams to tailor existing Citizen’s products to meet the needs of embedded finance use cases.
- Assist on creation of end-to-end coverage model for embedded finance clients; relationship management, product sales, credit / risk underwriting and oversight, account management, and specialized servicing.
- Partner with sales teams on engagements with embedded finance clients to launch new and scale programs. Improve products based on client feedback.
- Continuously refine client engagement and oversight models.
Qualifications:
- 3-10 years of experience in financial services, preferably in product, compliance or sales roles.
- Experience working with FinTech organizations, brands, platforms etc. to embed financial products into their product offerings
- Strong communication and presentation skills (Excel and PowerPoint skills)
- Strong partnership and relationship-building skills, at all levels of the organization; ability to influence cross-functional counterparts and internal colleagues
- Strong analytical skills and business judgment/acumen
- Excellent problem-solver, able to break-down complex problems into practical solutions
- Strong program management and prioritization skills
- Focus on driving results, versus activity
- Self-starter, with a proactive approach to solving problems
Education:
- Bachelor’s Degree required
Hours & Work Schedule:
- Remote
- Hours per Week: 40
- Work Schedule: Monday-Friday
- Candidates in Johnston, RI or Westwood, MA area: hybrid structured schedule (3 days in office / 2 days remote)
Pay Transparency
The salary range for this position is $100,000 – $150,000, 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.
About Us
Equal Employment Opportunity
At Citizens we value diversity, equity and inclusion, and treat everyone with respect and professionalism. 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 Employer
Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.
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