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Digital Product Manager - Embedded Banking & API

Citizens Bank

Citizens Bank

Software Engineering, Product
Westwood, MA, USA
Posted on Friday, June 28, 2024

Job Description

We are seeking an experienced product manager to support our innovative Embedded Banking & API solutions. As the driving force behind our product vision, and subject matter expert, you will be responsible for shaping and executing the roadmap, ensuring alignment with business goals and customer needs.

Collaborating closely with cross-functional teams including product management, engineering, design, marketing, sales, customer service, and fintechs, you will establish and scale a new cross functional Embedded Banking capability for Citizens while driving continuous innovation & enhanced customer experience.


  1. Support the Embedded Banking strategy for Citizens Treasury Solutions to keep and grow our client base while improving customer experiences.
  2. Oversee the integration of information reporting and payment services into non-traditional banking platforms, such as ERPs, TMS, Accounting SW, and third-party apps.
  3. Implement embedded banking solutions through the enablement of Citizens and third-party APIs.
  4. Identify opportunities to generate revenue through API offerings, exploring new business models and pricing strategies.
  5. Identify and execute on Fintech partnerships to establish leadership in this space.
  6. Lead the product development and management of ERPConnect, Citizens embedded banking plug-in solution for selected ERPs and accounting SW.
  7. Support the ongoing development efforts for the Commercial Digital Gateway, Citizens Commercial Bank client portal, on behalf of Treasury Solutions products and services.

The functions of the role include:

  1. Strategy development, and roadmap management.
  2. Organize technical capacity following Agile methodology.
  3. Roll Out / Product and Customer Readiness (Training Plans, Marketing Plans, Implementation Plans).
  4. Stakeholder Management: Collaborate with internal stakeholders and vendors to gather feedback, prioritize features, and ensure alignment with business objectives.
  5. Risk / Legal: Collaborate with Risk, Legal and compliance teams to navigate regulatory and security requirements.
  6. Vendor Management.
  7. Marketing: Create compelling collateral and campaigns to promote product commercialization.
  8. Product Pricing and Billing.
  9. Team Leadership: Provide mentorship, guidance, and support to foster professional growth and excellence.
  10. Customer Engagement: Engage with customers to gather feedback, understand use cases, and prioritize feature requests to enhance customer satisfaction and loyalty.
  11. Define key performance indicators (KPIs) and monitor product performance to drive continuous improvement and achieve business objectives.
  12. Continuous Improvement: Conduct market research, competitor analysis, monitor industry advancements and technological trends to identify opportunities for product improvement and differentiation.


  • 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.

Education, Certification, and/or Other Professional Credentials:

  • Bachelor’s Degree required
  • Master’s Degree preferred