Senior Product Manager, Digital Payments - Small Business

This role takes ownership of core cash management and payment capabilities that small businesses rely on daily to move money securely and efficiently. Focused on ACH originations, fraud mitigation, and client-facing payment controls, the position sits at the intersection of product delivery, risk partnership, and client experience. You will define what gets built, shape how it performs, and ensure clients have secure, scalable tools to manage payments with confidence.

Responsibilities

• Lead end-to-end product management for Digital Cash Management solutions including ACH originations, Real-time Payments, and Wire Payments for Small Businesses.
• Own the development and optimization of ACH fraud mitigation capabilities, including Positive Pay, Debit Block, and Debit Filter solutions, to protect clients against unauthorized payment activity.
• Lead the development and execution of strategic product roadmaps for Payments and Transfers capabilities, coordinating product launches, enhancements, and marketing to maximize business impact.
• Shape strategic product roadmaps for payments and cash management capabilities, identifying enhancements that improve processing efficiency and strengthen competitive positioning.
• Partner with UX, technology, and analytics teams to translate client needs into scalable, intuitive digital solutions that measurably improve adoption and satisfaction.
• Coordinate digital integration efforts with fintech partners, third-party vendors, and internal technology teams to extend capabilities through APIs and embedded banking.
• Analyze competitive landscapes, market trends, and client research to identify opportunities and inform product strategy and execution priorities.
• Monitor product performance metrics and translate findings into targeted improvements that increase client adoption, payment accuracy, and overall satisfaction.
• Develop and apply client and market insights to validate product decisions, identify gaps in current capabilities, and prioritize the most impactful enhancements.

Requirements

• 6-10 years experience in product management, with direct ownership of payment products or cash management capabilities across their full lifecycle.
• Practical knowledge of ACH, Wires, Real-Time payments processing and payment operations with the ability to translate that expertise into product decisions that improve client outcomes.
• Analytical capability to interpret product performance data, identify client pain points, and build evidence-based cases for product investment and prioritization.
• Clear written and verbal communication skills, with the ability to align cross-functional stakeholders and articulate complex payment concepts in plain language.
• Ability to manage competing priorities independently, maintain delivery pace under pressure, and adjust quickly when requirements or timelines shift.
• Bachelor’s degree or equivalent university qualification is required.

Qualifications

• Background in small business payments, acquisitions, or product analytics within financial services.
• Familiarity with API-based payment processing or experience defining product requirements.
• Master’s degree preferred.

What this role offers

• Direct ownership of high-impact payment and fraud control products that small business clients across the country depend on daily.
• A hybrid working model with 3 days in the office and 2 days working remotely, designed to balance team collaboration with focused, productive work time.
• Close collaboration with risk, compliance, and technology teams, giving you broad cross-functional exposure and the opportunity to build expertise across the payments ecosystem.
• Access to ongoing learning and professional development opportunities within one of the world's leading financial services organizations.
• A performance-driven environment where your contributions are visible, your product decisions carry weight, and your career progression reflects the outcomes you deliver.
• Comprehensive financial wellbeing and employee benefits as part of Citi's total rewards offering, supporting your long-term financial security and personal wellbeing.

Pay

Full-time salary range: $114,720.00 - $172,080.00. In addition to salary, Citi’s offerings may include, for eligible employees, discretionary and formulaic incentive and retention awards.

Benefits

• Medical, dental, and vision coverage.
• 401(k) retirement plan.
• Life, accident, and disability insurance.
• Wellness programs.
• Paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays.

Schedule

Full time, hybrid (3 days in the office, 2 days remote).

Primary location: Irving, Texas, United States.