Sr Product Manager – Liquidity Products
Citizens Bank is seeking a highly motivated, strategic, and execution‑oriented Sr. Product Manager. This role will be responsible for a portfolio of deposit products and liquidity services, partnering with a variety of stakeholders on strategy, execution, pricing, risk, and ongoing product governance.
Key Responsibilities
Develop deep expertise in assigned deposit products and liquidity services, including design, delivery, client value propositions, and revenue drivers.
Serve as key point of contact for all things related to assigned product portfolio.
Lead product lifecycle management, including all of the activities to develop and deliver on the product roadmap (insights gathering, strategy development, budget, prioritization, execution through partners, etc…).
Support business planning, prioritization, and executive communication related to product portfolio strategy and performance.
Participate in direct and indirect Sales efforts when necessary, attending client meetings, providing product insights and/or demos, strategizing with Sales and coordinating with Marketing.
Ensure up-to-date product and services documentation supporting product design and delivery of portfolio of products (product guides, FAQs, procedures, process flows, Service Requests, Disclosures, Marketing materials, etc.).
Drive strong risk management practices related to product design and delivery and support risk reviews, audit/exam, testing, and remediation.
Qualifications
8-10+ years of experience in financial services, with demonstrated ownership of deposit products, liquidity, or related product disciplines.
Strong understanding of commercial deposit products, liquidity management, pricing strategies, and banking operating models.
Experience operating as a product owner with accountability for strategy, execution, and governance in regulated environments.
Proven ability to partner effectively with Risk, Compliance, Operations, Technology, Treasury, Marketing, Finance, and Sales teams.
Strong analytical judgment with the ability to translate regulatory, operational, and financial considerations into actionable product strategies.
Excellent stakeholder management and executive‑level communication skills.
Self‑starter with strong prioritization, operational rigor, and execution discipline.
Familiarity with Agile delivery frameworks and modern product delivery tools is preferred.
Hours & Work Schedule
- Hours per Week: 40
- Work Schedule: M-F
Pay Transparency
The salary range for this position is $163,000 - $175,000 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 .
About UsEqual 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
Job Applicant Data Privacy Policy
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.
Skills Required
- 8-10+ years of experience in financial services
- Strong understanding of commercial deposit products and liquidity management
- Experience as a product owner in regulated environments
- Proven ability to partner with Risk, Compliance, and other teams
- Strong analytical judgment and communication skills
- Familiarity with Agile delivery frameworks preferred
Citizens Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Citizens and has not been reviewed or approved by Citizens.
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Healthcare Strength — Healthcare coverage is positioned as comprehensive, with multiple plan options and preventive care highlighted as fully covered. Mental-health support is also emphasized through EAP-style counseling access and app-based support.
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Retirement Support — Retirement benefits are described as meaningful, including an employer match and additional company contributions in some descriptions. Stock purchase features and occasional profit-sharing framing add to the overall retirement-and-wealth picture.
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Leave & Time Off Breadth — Time-off benefits are described as generous, including a substantial PTO bank, paid holidays, and sizeable parental leave. Adoption assistance and emergency backup care are also presented as part of the leave-related support set.
Citizens Insights
What We Do
As one of the oldest and largest financial services firms in the United States with a history dating back to 1828, we’re committed to providing solutions and expertise that support our customers, clients, colleagues, and communities in what’s next on their own unique journey. We invest in the humans who build the logic, ideas, and innovations that bring new technologies to life. Investments in AI, cloud computing, machine learning and automation provide our engineers the tools that enable us to remain competitive and win in today’s environment. At Citizens, we recognize that the journey to accomplishment is no longer linear and that individuals are made of all they have done and all they are going to do. Whether you’re considering banking with us or looking to work with us, you’ll find a customer-centric culture and a supportive, collaborative workforce at Citizens. You’re made ready and so are we. If you're ready to advance your career in technology and security, learn more about opportunity's Citizens offers here: https://jobs.citizensbank.com/digital-transformation
Why Work With Us
We empower the colleagues that power our tech. With growth & upskilling opportunities and sought-after benefits, plus a diverse culture of people and perspectives, we help our colleagues achieve career goals. Because innovation can’t happen without the minds and hearts of our people. Technology is constantly evolving, and we believe you can too.
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