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The health and safety of our colleagues and candidates for employment are our highest priority. Accordingly, Citi continues to monitor the COVID-19 situation closely. We have implemented precautionary measures across our firm globally, including conducting all candidate interviews virtually on a temporary basis until further notice where needed.

U.S. Retail Bank, Product Managers (VP & SVP) - Hybrid

Job Req ID 22477861 Primary Location Charlotte, North Carolina Job Category Product Management and Development
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We are looking for dynamic individuals to join our US Retail Bank, Segments & Products team!

Our North America (NA) Consumer Banking division has over 30,000 professionals working together to provide consumers with credit card, retail banking, wealth management, small business, mortgage & payment products and services.  Within NA Consumer Banking there are three primary product lines and multiple enabling functions. The product lines are US Retail Banking (USRB), US Branded Cards and Citi Retail Services.  Enabling functions include but are not limited to Marketing, Digital, Analytics, Technology and Partnerships. 

Within USRB, the Segments and Products team is responsible for designing and delivering differentiated and competitive value propositions to defined client segments. These segments include mass market, emerging affluent, affluent, small business and international personal banking. This team is also responsible for new product development, ongoing product enhancements and ongoing profitability management for deposit and payment products. The deposit and payment products include but are not limited to checking, money market, CD’s, money movement and fund transfer capabilities. 

Our Product Manager roles provide strategic leadership for Citibank’s consumer products and are responsible for the development and management of product plans, strategies and tactics. In addition will promote products to develop new markets, increase share of market and obtain competitive position.

Key responsibilities

  • Manage the lifecycle strategy from acquisition through early client engagement and implement strategies to optimize portfolio performance

  • Assess relevant customer, competitor, and industry insights to help define strategies to improve client experience and portfolio growth

  • Advise and provide insight and recommendations on innovative and strategic product development, product targeting, and segmentation strategies as well as direct and oversee aspects of product development life cycle management including market demands, technology trends, and the competitive field

  • Provide subject matter expertise and execute on core marketing disciplines such as product development, price, promotions, platform and pillars, launching, and marketing to improve client experience and portfolio growth

  • Oversee product financial performance including identifying opportunities and gaps, and developing business strategies

  • Work with Operations and Technology with regards to process design and vendor procurement as well as communicate business plans on marketplace approach

  • Initiate, plan and manage initiatives throughout the entire project lifecycle working with cross-functional project teams within Citi and external partners

  • Develop and manage product metrics and reporting. Also develop and align product content across channels and collateral

  • Manage product approvals, define product requirements, create user stories, define acceptance criteria, oversee testing status and post implementation activities

  • Make recommendations based on regulatory changes, competition, consumer trends and market research

  • Complete competitive analysis and identify key opportunities to drive innovation, revenue and drive positive client experience 


  • 6-10 years of relevant experience; retail bank/financial industry, product mgmt and/or segment programs

  • Proven track record leading cross-functional teams to define and achieve goals

  • Demonstrated analytical, project and process management skills

  • Ability to think strategically and tactically to deliver projects successfully and on-time

  • Demonstrated experience of uncovering and synthesizing disparate data and insights into frameworks to drive strategy

  • Intellectual agility and high degree of comfort with ambiguity.  Also an innovative thinker with the ability to challenge the status quo and devise creative solutions to solve problems and overcome hurdles

  • Strong written and verbal communication skills, with the ability to confidently present to senior levels of the organization

  • Demonstrated influencing skills

  • In-depth knowledge of industry and competitor products/services


  • Bachelor’s degree/University degree or equivalent experience

  • Master’s degree preferred

The positions can work from various Citi site locations. In addition it requires working in Citi's hybrid model which is a combination of working in office and remotely.


Job Family Group:

Product Management and Development


Job Family:

Product Management


Time Type:


Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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.

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View the EEO Policy Statement.

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Effective November 1, 2021, Citi requires that all successful applicants for positions located in the United States or Puerto Rico be fully vaccinated against COVID-19 as a condition of employment and provide proof of such vaccination prior to commencement of employment.

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