Deposit, Sr. Product Partner

Citizens; Newark (DE); On-site; USD 140,000 - 200,000; Full time

Job summary

Citizens is seeking a Sr. Product Partner to translate rate-led portfolio and pricing strategies into targeted retention and deepening plays across field and digital channels. You will drive new money production, CD maturity, and retention journeys while partnering with Pricing, Analytics, Marketing, Digital, and Retail teams.

You will shape field plays, digital experiences, and training for bankers, with governance and measurement to ensure retention and relationship growth.

Qualifications

• Bachelor's degree required in business/finance related field.
• 8+ years in product management, deposit strategy, portfolio management, or related roles.
• Experience translating portfolio/pricing insights into field and digital execution.
• Experience developing customer targeting, treatment or nudging strategies.
• Experience partnering with Pricing, Product, Analytics, Marketing, Digital, Retail or relationship-management teams.

Responsibilities

• Lead retention and deepening strategy aligned with portfolio and pricing direction.
• Translate customer and portfolio insight into clear treatment strategies and actions.
• Develop targeted customer segments and treatment designs for MMA and CD relationships.
• Deliver field enablement plays with clear rationale and success metrics.
• Define digital enablement requirements and determine optimal digital vs. field mix.
• Establish governance with scorecards and closed-loop measurement for performance.

Education

Bachelor's degree in Business, Finance, Economics, Marketing or a related field

Job description

Sr. Product Partner, Deposit Retention & Engagement

Description

Job Overview

This leadership role is responsible for translating rate-led portfolio and pricing strategies into targeted retention and deepening plays across field and digital channels. The Product Director will focus on new money production, CD maturity and retention journeys, customer targeting, banker engagement, digital enablement, communications and closed-loop performance management.

The role will partner closely with Pricing, Analytics, Marketing, Digital, Customer Experience Delivery, Retail and Relationship Banking teams. Pricing will establish product pricing and rate strategy; this leader will determine how portfolio opportunities are converted into coordinated customer treatments, field actions and digital experiences that improve retention and relationship outcomes.

Key Responsibilities

Retention and Deepening Strategy

• Develop and manage targeted MMA and CD growth & retention plays aligned with portfolio and pricing direction and overall business new money and deposit targets.

• Lead CD maturity journeys, proactive retention treatments, balance-consolidation opportunities and win-back strategies.

• Identify priority customer groups based on maturities, balance movement, relationship depth, rate sensitivity and opportunity.

• Translate customer and portfolio insight into clear treatment strategies, channel actions and measurable business outcomes.

Customer Targeting and Treatment Design

• Partner with Analytics to develop customer targeting, trigger and opportunity strategies for MMA and CD relationships.

• Define differentiated treatments based on customer value, relationship depth, maturity status, balance behavior and channel preference.

• Develop communications, behavioral nudges, offers and banker opportunities that support retention and relationship deepening.

• Establish testing and learning plans to improve targeting precision, treatment effectiveness and customer response.

Field Engagement and Enablement

• Translate MMA and CD opportunities into actionable field plays with clear customer rationale, recommended actions and success measures.

• Partner with the Product Director, Relationship Banking Strategy to incorporate priority opportunities into PCRM and Business Banking RM leads, coverage approaches and banker routines.

• Partner with Retail leaders on branch-supported maturity, retention and balance-consolidation opportunities.

• Gather field feedback and use conversion results to refine targeting, treatments and execution approaches.

Digital Enablement and Experience

• Partner with Digital and Customer Experience Delivery teams to improve MMA and CD sales, maturity and retention experiences.

• Define requirements for targeted placements, digital prompts, maturity choices, balance movement and fulfillment capabilities.

• Determine when opportunities should be handled digitally, through the field or through coordinated channel treatments.

• Connect digital engagement, customer response and banker follow-up through reusable lead and measurement capabilities.

Performance Management and Governance

• Develop scorecards covering CD renewal, total-deposit retention, MMA/CD sales, balance retention, treatment response and channel conversion.

• Establish closed-loop measurement across targeting, customer treatment, digital engagement, banker activity and retained balances.

• Present performance, risks, recommendations and delivery needs to senior leaders and cross-functional partners.

• Ensure retention and engagement strategies comply with regulatory, risk, customer-experience and operational requirements.

Qualifications and Requirements

Education:

• Bachelor's degree in Business, Finance, Economics, Marketing or a related field.

Experience:

• 8+ years of experience in product management, deposit strategy, portfolio management, customer engagement, marketing strategy, digital banking or a related discipline.

• Prior experience with deposit retention, CD maturity management, MMA or CD customer strategies, balance-consolidation plays or targeted deposit offers.

• Experience translating portfolio, pricing or customer insights into field and digital execution strategies.

• Experience developing customer targeting, treatment, communication or behavioral-nudge strategies.

• Experience partnering with Pricing, Product, Analytics, Marketing, Digital, Retail or relationship-management teams.

• Experience establishing performance measures and closed-loop reporting for customer treatments or sales programs.

Skills:

• Strong analytical and commercial judgment with the ability to turn portfolio insights into practical customer and channel actions.

• Strong cross-functional leadership, communication and stakeholder-management skills.

• Ability to manage multiple retention and enablement workstreams and drive clarity across complex partner organizations.

• Working knowledge of consumer deposits, MMA/CD customer behavior, digital experiences and field sales processes.

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.

11/30/2026