Deposit, Sr. Product Partner
Citizens
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Job summary
Citizens is seeking a Sr. Product Partner to translate rate-led portfolio strategies into targeted retention and deepening plays across field and digital channels.
The role focuses on new money production, CD maturity, and retention journeys, partnering with Pricing, Analytics, Marketing, and Retail teams to drive measurable outcomes. The leader will design treatments, communications and banking experiences that improve retention and customer lifetime value, while ensuring regulatory and risk
Qualifications
- Bachelor's degree in Business, Finance, Economics, Marketing or related field.
- 8+ years of experience in product management, deposit strategy, portfolio management or related areas.
- Experience translating insights into field and digital execution strategies.
- Experience developing customer targeting, treatment or behavioral-nudge strategies.
- Experience partnering with Pricing, Product, Analytics, Marketing, Digital or Retail teams.
Responsibilities
- Develop retention and deepening strategies for MMA and CD products aligned with portfolio and pricing directions.
- Manage CD maturity journeys, retention treatments and win-back strategies.
- Translate insights into actionable field plays with clear actions and success metrics.
- Collaborate with Analytics for targeting, triggers and opportunities.
- Define differentiated treatments based on customer value and channel preference.
- Lead cross-functional governance and performance reporting for retention initiatives.
Skills
Education
Job description
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.
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.
- 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.
- 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.
- 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.
- 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.
- 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.
- Bachelor's degree in Business, Finance, Economics, Marketing or a related field.
- 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.
- 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.
Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.
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.
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
Posting End Date: 11/30/2026
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