Consumer Prod Perf Partner

Citizens; Plano (TX); On-site; USD 120,000 - 180,000; Full time

Job summary

Citizens is seeking a Consumer Product Performance Partner to drive Existing Cardmember Growth with a strategic roadmap and end-to-end product experience. You will collaborate with Marketing, Risk, Finance and Operations to optimize portfolio growth and profitability while managing budgets and initiatives.

The role demands strong P&L alignment, experience in card programs, and a proven ability to lead cross-functional teams through ambiguity to deliver results.

Qualifications

• 5+ years leading ECM Growth initiatives for US-based card issuer.
• Strong industry and product knowledge; connect P&L to strategy.
• Ability to work cross-functionally and lead by example.
• Mastery of portfolio KPIs across Credit Card.
• Business acumen with ability to build from nascent stage.

Responsibilities

• Strategically manage ECM Growth roadmap across utilization, growth, retention and margin.
• Manage product structures and promotional strategies across channels.
• Lead product design, deployment, customer experience, campaigns and communications.
• Collaborate with Finance and PP&A on budgets, forecasts, pricing strategy.
• Provide ad hoc portfolio trend reporting and competitive analysis.

Skills

ECM Growth

P&L awareness

Cross-functional leadership

Portfolio KPIs

Strategic planning

Job description

Description

As the Consumer Product Performance Partner - Existing Cardmember (ECM) Growth, this role sets strategic direction for the growth of existing cardmembers by designing and implementing product enhancements, targeted strategies, experience design, and rewards & loyalty growth initiatives. The Consumer Product Performance Partner is responsible for ensuring individual client and business line needs are met, while providing for effective portfolio growth and profitability of the business in accordance with budget targets. They will work in close collaboration with the Consumer Portfolio Manager, Finance, Risk Management, Distribution and other business partners to optimize portfolio growth, fee revenue, margin revenue and oversee product specific expenses across their assigned distribution lines. This position will be responsible for successful P&L management and related business analysis, sales support, marketing support, and product management activities.

Primary responsibilities include:

• Strategic management of all aspects of Existing Cardmember Growth – developing and implementing a robust roadmap designed to achieve results across key portfolio KPIs – across utilization, growth, retention and margin objectives. This includes effective risk management and product enhancements while overseeing the end-to-end customer experience for each product. Works closely with the cross functional partners – Marketing, Risk, Finance, Operations, etc. to ensure budget and initiative objectives are achieved.

• Management of assigned products and promotional strategies to maintain simple, efficient, and streamlined product structures inclusive of optimization across key cardmember account experiences. Ensure clarity of field and Banker communication and appropriate balance of strategies across products lines and distribution channels.

• Actively manage product/initiative design and deployment, customer experience, campaign planning, offers, and communications while maintaining a sound control environment.

• Partners with finance and PP&A function in developing budgets and forecasts. Actively driving discussion of product and pricing strategies and expected portfolio behaviors to drive achieving budgets.

• Directs ad hoc reporting on portfolio trends and related industry comparisons including competitive analysis of product, pricing, portfolio dynamics and promotional structures.

Qualifications, Education, Certifications and/or Other Professional Credentials

• Required Qualifications

• 5+ years leading Existing Cardmember (ECM) Growth initiatives for US based card issuer.

• Strong industry and product knowledge, ability to connect P&L needs to actionable consumer facing strategy.

• Ability to work cross functionally and lead by example – motivating across organization(s) to achieve success.

• Mastery of portfolio KPIs across Credit Card

• Strong business acumen and drive to build something from NASCENT stage; comfortability navigating and leading through ambiguity.

• Preferred Qualifications

• 8+ years of Card experience, with strong ECM growth track record

• Balance of Large to Regional Issuer experience

• Strong Team First mindset with “builder vs cruiser” motivation to build new capabilities and strategy

Hours & Work Schedule

• Hours per Week: 40

• Work Schedule: M-F

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.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

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.

10/30/2026