Sr. Account Manager, Commercial Card

The Account Manager (AM) is accountable for the card relationship and growth for an assigned portfolio of Commercial Card clients. This role is responsible for deepening card relationships, increasing spend, protecting existing revenue, and expanding product feature adoption. The AM’s objective is to evolve clients from transactional card users into high‑value, long‑term partnerships by delivering creative problem solving, proactive portfolio management, differentiated service, and measurable growth outcomes. 

The Account Manager partners closely with Treasury Relationship Managers, Relationship Bankers, Product, Operations, and Client Services to ensure strong client satisfaction, risk management, and sustainable portfolio growth.

• Develop and drive growth strategy for portfolio of commercial card customers. 
• Drive incremental revenue through cross‑sell, usage (use-case) expansion, and optimization campaigns. 

• Serve as primary card relationship owner and SME. Maintain deep understanding of client goals, spend behavior, pain points, and growth blockers.

• Own overall client card satisfaction. Act as escalation point beyond Client Payment Services (CPS). Drive QBRs and executive level discussions.

• Monitor spend trends, attrition risk, and credit constraints. Intervene early with optimization or retention strategies.

10+ years’ experience in commercial card, commercial banking, payments, or account management. Strong understanding of Commercial Card programs and economics. Strong communication and analytical skills.

40 hours per week.

Monday–Friday.

Pay Transparency 

The salary range for this position is $140,000 - $165,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the 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.