Product Associate

Product Associate – Payables

The Product Associate plays a critical role in supporting the Payables product team by contributing to product initiatives, documentation, training, sales support, and other product-related activities as needed. This role has been an established and integral part of the product staffing model for more than 10 years and continues to be essential to the success of the Payables organization.

As a Product Associate, you will partner closely with Product Managers and cross‑functional teams to identify and implement product growth opportunities that drive increased revenue and improve client outcomes. You will interact directly with customers and sales partners to ensure a strong understanding of product features, functionality, and value proposition.

The Product Associate will also provide support for several critical Payables initiatives currently underway, including but not limited to:

• Migration from PEP+ to EPP
• ISO address changes in wire processing
• The Clearing House (TCH) upgrade to Release 5.0

This role helps ensure these initiatives, along with day‑to‑day product activities, are executed effectively and on schedule.

Primary Responsibilities

• Support all Payables team members with product-related projects, documentation, training materials, and client and sales support.
• Monitor and assess payables product performance, investigating revenue and volume fluctuations to determine root causes and business impact.
• Identify opportunities to grow revenue through detailed analysis of product usage, evaluation of market and competitor offerings, and identification of product gaps or enhancement opportunities.
• Proactively incorporate client and sales feedback to improve product functionality, positioning, and adoption.
• Collaborate with Product Managers to ensure all aspects of new product launches and product enhancements are well planned, communicated, and executed.
• Assist in determining product pricing through analysis of customer usage, market conditions, and profitability.

Qualifications, Education, Certifications and/or Other Professional Credentials

Required Qualifications

• Bachelor’s degree or equivalent work experience in business, finance, technology, or a related field.
• Experience supporting products, projects, or programs in a financial services or payments environment.
• Strong analytical skills with the ability to interpret data and translate insights into actionable recommendations.
• Excellent written and verbal communication skills.
• Ability to work collaboratively across multiple teams and manage multiple priorities.

Preferred Qualifications

• Experience with Payables, Treasury Management, or Payments products.
• Familiarity with product life cycle management, pricing analysis, or product launches.
• Experience working directly with clients or sales teams in a consultative capacity.
• Proficiency with data analysis tools and presentation software.

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: M-F

Pay Transparency 

The salary range for this position is $93,000 - $135,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits .

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.

Equal Employment and Opportunity Employer

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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.