Digital Product Manager - Embedded Banking & API

Citizens Bank - Johnston, RI

Full-time - Mid Level

Johnston, RI

Credit Intermediation and Related Activities

About the position

The Digital Product Manager for Embedded Banking & API at Citizens is responsible for driving the product vision and executing the roadmap for innovative banking solutions. This role involves collaboration with cross-functional teams to establish and scale Embedded Banking capabilities, ensuring alignment with business goals and enhancing customer experiences.

Responsibilities

• Support the Embedded Banking strategy for Citizens Treasury Solutions to keep and grow our client base while improving customer experiences.
• Oversee the integration of information reporting and payment services into non-traditional banking platforms, such as ERPs, TMS, Accounting SW, and third-party apps.
• Implement embedded banking solutions through the enablement of Citizens and third-party APIs.
• Identify opportunities to generate revenue through API offerings, exploring new business models and pricing strategies.
• Identify and execute on Fintech partnerships to establish leadership in this space.
• Lead the product development and management of ERPConnect, Citizens embedded banking plug-in solution for selected ERPs and accounting SW.
• Support the ongoing development efforts for the Commercial Digital Gateway, Citizens Commercial Bank client portal, on behalf of Treasury Solutions products and services.
• Organize technical capacity following Agile methodology.
• Roll Out / Product and Customer Readiness (Training Plans, Marketing Plans, Implementation Plans).
• Collaborate with internal stakeholders and vendors to gather feedback, prioritize features, and ensure alignment with business objectives.
• Collaborate with Risk, Legal and compliance teams to navigate regulatory and security requirements.
• Create compelling collateral and campaigns to promote product commercialization.
• Define key performance indicators (KPIs) and monitor product performance to drive continuous improvement and achieve business objectives.
• Conduct market research, competitor analysis, monitor industry advancements and technological trends to identify opportunities for product improvement and differentiation.

Requirements

• Proven experience (10+ years) implementing online, mobile, and embedded banking solutions.
• Demonstrated success in developing and executing product strategies.
• Strong technical, influential, and strategic abilities to help drive the success of our enterprise initiatives.
• Direct knowledge of industry standards and best practices for open banking API product design, such as Open banking FDX, 2-legged and 3-legged OAuth, ERP Connectors, Account aggregators integrations, API authentication, authorization/entitlements, consent management, etc.
• Excellent leadership and communication skills.
• Ability to thrive in a fast-paced, dynamic environment.
• Expertise in the delivery, market value, and industry position of a product area.
• Experience executing in layered, complex organizations with wide range of cross-functional stakeholders.
• Proven track record of identifying and executing fintech partnerships.
• Solid understanding of commercial banking product, operations, sales, service, and technical practices.

Nice-to-haves

• Master's Degree preferred

Benefits

• Customer-centric culture
• Access to training and tools for career growth
• Supportive and collaborative workforce