Business Analyst, Commercial Bank Product Organization

Citizens Financial Group•Charlotte, NC

21h•Hybrid

About The Position

Citizens Commercial Bank is establishing a new Product organization, led by a Chief Product Owner reporting to the Head of Commercial. The Business Analyst will be a key member of this new function, providing analytical support for initiatives related to the GenAI Banking Platform, Insights and lifecycle capabilities, AI governance, and Commercial analytics. This role involves defining, gathering requirements for, designing, and delivering projects, with a strong emphasis on AI-driven initiatives within Commercial Banking. The Business Analyst will analyze business processes, identify requirements, and propose data and AI-enabled solutions to enhance client outcomes and operational efficiency. Collaboration with business, technology, and data teams will be crucial for translating needs into use cases, defining data requirements, and ensuring compliance with risk and regulatory standards. The role also includes contributing to problem-solving, process improvements, and project execution in areas such as credit risk, onboarding, and portfolio management, while upholding best practices in data governance and responsible AI use. While there are no direct supervisory responsibilities, guidance and support may be provided to new team members. The Business Analyst will join a foundational team within the new Product organization, working alongside a Head of Product, four product colleagues, and the integrated Commercial Analytics Team. The function is expected to grow in early 2027 with additional Product Owners and dedicated scrum teams. This role is central to building the analytical, documentation, and intake capabilities necessary for the team to operate efficiently and maintain responsible AI practices.

Requirements

3 to 4 years of experience with business analysis, including requirements development.
Basic understanding of project management techniques and methodologies.
Commercial Banking product knowledge; demonstrating working knowledge of core Commercial Bank products and platforms across lending, credit, treasury and payments, deposits, capital markets & advisory and digital channels.
Competent use of Microsoft Office applications including Microsoft Copilot, Project, Excel, Visio, PowerPoint, and Word.
Self-thinker, able to work through issues independently and escalate only when appropriate.
Bachelor's degree.

Nice To Haves

Capital markets product management experience desired.

Responsibilities

Conduct interviews, workshops, and meetings with Commercial bankers, segment leaders, Product, Engineering, Analytics, Risk, Compliance, and Operations partners to gather necessary information for AI driven initiatives.
Document functional, non-functional, and data requirements for the GenAI Banking Platform, Insights and lifecycle capabilities, and Commercial AI use cases.
Translate business needs into clear, testable user stories, acceptance criteria, and use case definitions for engineering, data science, and vendor teams.
Develop process maps, flowcharts, and other visual representations to illustrate current state and future state Commercial banking processes, particularly in credit risk, onboarding, and portfolio management.
Map end-to-end data lineage (source, transformation, storage, display), including exceptions and fallback scenarios for AI enabled workflows.
Identify inefficiencies, bottlenecks, and redundancies in banker workflows and recommend AI and automation enabled improvements that shift banker time toward client facing, revenue generating activity.
Collaborate with stakeholders across Product, Engineering, Design, Analytics, Risk, and Commercial business teams to define solution options for AI driven initiatives and evaluate their feasibility, value, and risk.
Support the Commercial AI use case intake process by helping size opportunities, articulate problem statements, and assess fit with the GenAI Banking Platform roadmap.
Recommend data and AI enabled solutions, including applications of LLMs, NLP, and machine learning, to improve client outcomes and banker productivity in areas such as document search and synthesis, client preparation, deal positioning, credit analysis, and portfolio monitoring.
Facilitate communication and collaboration among stakeholders throughout the project lifecycle, ensuring alignment across business, technology, data, risk, and compliance partners.
Maintain transparent documentation, decision logs, and traceability so decisions are visible to leadership and to scrum teams.
Support executive communication by preparing clear summaries, status updates, and visualizations of progress, risks, and outcomes.
Provide support to project teams and collaborate with cross-functional teams to ensure alignment and successful project delivery across the Day 1 workstreams.
Track dependencies, surface risks early, and ensure decisions are documented and traceable across Product, Engineering, Operations, Vendors, Risk, and Support.
Define UAT scenarios, validate test data and edge cases, and support pilot programs, go live readiness, and post-launch hypercare activities.
Help ensure AI driven initiatives align with Citizens risk, model risk, privacy, and regulatory standards, supporting governance reviews related to AI usage, third-party risk, data protection, and audit readiness.
Support best practices in data governance, lineage, quality, and responsible AI use, including accuracy, transparency, bias, fairness, explainability, privacy, and human oversight.
Document data usage, storage, transformation, automated versus manual processes, control points, and approvals to ensure solutions are defensible and well documented prior to launch.
Contribute to problem solving, process improvements, and project execution across credit risk, onboarding, and portfolio management, including financial statement analysis support, covenant tracking inputs, and portfolio monitoring routines.