Citi is seeking a North America Commercial Cards B2B Payables Lead to own the strategy, development, and performance of its commercial cards business across the region. In this leadership role, you will set the product vision and collaborate across technology, operations, finance, and coverage teams to deliver client-focused solutions that grow market share and advance Citi's competitive position. This is a high-impact opportunity to shape the direction of a strategically significant product portfolio at one of the world's leading financial institutions.
Responsibilities
Lead the North America commercial cards B2B Payables product strategy, defining roadmap priorities, go-to-market approach, and delivery model to expand market presence and drive revenue growth.
Partner with technology, operations, and regional teams to coordinate the launch of new product capabilities and ensure timely, cost-effective delivery of strategically aligned solutions.
Drive client value propositions, pricing, segmentation, and competitive differentiation to strengthen Citi's position as a preferred commercial cards partner.
Collaborate with finance to evaluate product investment decisions, monitor revenue and expense performance, and track benefits realization against business plans.
Translate client feedback and market research into actionable product plans, working with coverage and cross-functional teams to close gaps and capture new opportunities.
Monitor market trends, competitor activity, and emerging technologies to inform product innovation and maintain a forward-looking roadmap.
Ensure all product documentation, approval processes, and risk controls are maintained to the highest standards, exercising sound judgment and escalating issues where necessary.
Act as the product authority in complex client engagements, providing solution expertise that accelerates deal closure and deepens client relationships.
Required Qualifications & Skills
10 or more years of experience in product management, commercial banking, or a related financial services discipline, with demonstrated expertise in commercial cards B2B payments.
Experience spanning multiple product management functions including marketing, credit, acquisitions, product development, and analytics.
Ability to operate independently in a fast-paced environment, managing shifting priorities and competing deadlines without loss of quality or focus.
Strong analytical and problem-solving capabilities, with the ability to translate complex data and market signals into clear product decisions.
Clear and concise communicator, able to influence senior stakeholders and align cross-functional teams around shared goals.
Bachelor's degree or equivalent professional experience.
Beneficial Skills & Qualifications
Master's degree in business, finance, or a related field.
Experience in electronic banking channels and corporate cash management, with familiarity in business analysis and system analysis.
Established relationships with external partners or technology alliances relevant to commercial cards or B2B payment innovation.
What We Offer
At Citi, you will work at the center of a global financial institution where your decisions carry real weight and your leadership shapes outcomes at scale. This role offers the strategic scope, team, and resources to make a meaningful impact on one of Citi's most important product businesses in North America.
A hybrid working model with 3 days in the office and 2 days working remotely, giving you flexibility while staying connected to your team.
Influence over a strategically significant product portfolio, with direct accountability for financial performance and market outcomes.
Collaboration with global and regional teams across technology, operations, finance, and client coverage, providing broad exposure and cross-functional impact.
Access to learning and development programs designed to support continued professional growth at the most senior levels.
Wellbeing support and financial benefits structured to reflect the seniority and demands of a leadership role.
The opportunity to lead product innovation at scale, working with external partners and shaping the future direction of commercial cards in North America.
Apply now to lead the North America Commercial Cards B2B business and drive product strategy that delivers measurable impact for Citi's clients and the firm.
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Job Family Group: Product Management and Development------------------------------------------------------
Job Family:Market Segments and Services------------------------------------------------------
Time Type:Full time------------------------------------------------------
Primary Location:New York New York United States------------------------------------------------------
Primary Location Full Time Salary Range:$163,600.00 - $245,400.00
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.
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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:------------------------------------------------------
Automated Processing and AIWe 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
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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.
Skills Required
- 10 or more years of experience in product management, commercial banking, or related financial services with expertise in commercial cards B2B payments.
- Experience across product management functions including marketing, credit, acquisitions, product development, and analytics.
- Ability to operate independently in a fast-paced environment and manage shifting priorities and deadlines.
- Strong analytical and problem-solving capabilities to translate complex data and market signals into product decisions.
- Clear and concise communication skills with ability to influence senior stakeholders and align cross-functional teams.
- Bachelor's degree or equivalent professional experience.
- Master's degree in business, finance, or related field.
- Experience in electronic banking channels and corporate cash management; familiarity with business and system analysis.
- Established relationships with external partners or technology alliances relevant to commercial cards or B2B payment innovation.
Citi Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Citi and has not been reviewed or approved by Citi.
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Healthcare Strength — Benefits coverage is positioned as comprehensive, including health, dental, and vision insurance plus on-site clinics, prescription drug support, and disability coverage. Family-building support such as fertility assistance is described as a notable differentiator within the overall package.
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Retirement Support — Retirement benefits are framed as strong, highlighted by a 401(k) with matching and additional plan options like a Roth 401(k). Financial support is reinforced through discounts and broader financial guidance resources tied to the benefits ecosystem.
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Wellbeing & Lifestyle Benefits — Wellbeing support extends beyond insurance through programs like an Employee Assistance Program, counseling/legal resources, and gym or wellness reimbursement. These offerings increase the perceived total rewards value even when cash compensation sentiment varies by role.
Citi Insights
What We Do
Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients. We have 200 years of experience helping our clients meet the world's toughest challenges and embrace its greatest opportunities. We are Citi, the global bank – an institution connecting millions of people across hundreds of countries and cities.
