Senior Product Manager, Digital Payments - Small Business

Citi; Irving (TX); Hybrid; USD 115,000 - 172,000; Full time

Benefits offered by this job

Medical, dental & vision

401(k)

Life, accident, and disability

Wellness programs

Paid time off

Job summary

Citi is seeking a Senior Product Manager for Digital Payments in Irving, TX to own cash management and payment capabilities that help small businesses move money securely at scale. You will lead end-to-end product delivery, fraud controls, and customer-focused enhancements across ACH, Real-Time Payments, and Wires.

Collaborate with risk, UX, and technology to design scalable solutions, leverage APIs, and drive adoption with data-driven decisions.

Qualifications

• 6–10 years in product management for payments.
• Experience with ACH, Wires, Real-Time payments.
• Ability to translate data into product decisions.
• Clear written and verbal communication, cross-functional alignment.
• Bachelor's degree required.

Responsibilities

• Lead end-to-end product management for Digital Cash Management incl. ACH originations, Real-Time Payments and Wires.
• Develop and optimize ACH fraud mitigation tools (Positive Pay, Debit Block, Debit Filter).
• Drive strategic roadmaps for Payments and Transfers, coordinating launches and enhancements.
• Shape roadmaps for payments and cash management capabilities, identifying enhancements that boost processing efficiency.
• Partner with UX, technology, and analytics to translate client needs into scalable digital solutions.
• Coordinate digital integration with fintech partners, third-party vendors, and internal teams via APIs and embedded banking.
• Analyze competitive landscapes, market trends, and client research to identify opportunities and inform strategy.
• Monitor product performance metrics and translate findings into targeted improvements.
• Develop client and market insights to validate decisions and prioritize impactful enhancements.

Skills

Digital Payments

Cash Management

ACH Origination

Fraud Mitigation

Real-Time Payments

Wires

Data Analysis

Stakeholder Alignment

Education

Bachelor's degree

Master's degree preferred

Tools

APIs

Fraud detection systems

Job description

The Senior Product Manager - Digital Payments will take ownership of core cash management & payment capabilities that small businesses rely on every day to move money securely and efficiently. This role is with Citi's Digital Payments product team and focuses on ACH originations, fraud mitigation and client-facing payment controls while also working at the intersection of product delivery, risk partnership and client experience. This work will define what gets built, shape how it performs and ensure clients have the secure & scalable tools needed to manage payments with confidence.

Responsibilities

• Lead end-to-end product management for Digital Cash Management solutions including ACH originations, Real-time Payments & 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.

Experience

• 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.
• A bachelor's degree or equivalent university qualification is required.

Additional Experience & Qualifications

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

Education

• Bachelor's degree/University degree. Master's degree preferred

What this role offers:

This is a role where your product decisions directly protect clients and improve the way businesses manage payments at scale. You will have real ownership, cross-functional influence, and the resources of a global financial institution behind the work you lead.

• 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 organisations.
• 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.

Job Family Group: Product Management and Development

Job Family: Product Management

Time Type: Full time

Primary Location: Irving Texas United States

Primary Location Full Time Salary Range: $114,720.00 - $172,080.00

In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards.

• medical, dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• wellness programs
• paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays

For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

Anticipated Posting Close Date: Aug 14, 2026

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi's EEO Policy Statement and the Know Your Rights poster.