Product Manager

Citizens•Johnston, RI

7d•$125,000 - $140,000•Hybrid

About The Position

The Commercial Card & Merchant Analyst is responsible for delivering disciplined performance management, analytics, and executive-ready insights across the Commercial Card and Merchant businesses. The role owns the Monthly and Quarterly Business Review (MBR/QBR) process, develops deep performance insights across sales and revenue, and supports leadership decision-making through fact-based analysis and clear storytelling.

Requirements

Bachelor’s degree in Finance, Economics, Business Analytics, or related field
5+ years of relevant experience in analytics, finance, or business management within payments, commercial card, merchant services, or financial services
Strong financial modeling, market research and analytical skills
Advanced Excel skills and comfort working with large, complex datasets
AI fluency, including experience using generative AI tools to synthesize data, automate workflows, and critically assess outputs to support decision-making

Nice To Haves

preferred experience with database querying and data visualization tools
Familiarity with Argus analytics or similar payment analytics platforms (preferred)

Responsibilities

Independently own MBR and QBR analytics and reporting for Commercial Card and Merchant; proactively identify emerging trends, risks, and opportunities for senior leadership discussion
Analyze revenue realization, highlighting drivers of variance such as pricing, client mix, volume shifts, and timing impacts
Perform product and interchange variance analysis, identifying impacts from (volume) mix, network changes, fee structures, and market dynamics
Leverage Argus analytics and related tools to perform ad hoc trend analysis and transaction-level deep dives
Respond to executive and business partner requests with structured, data-driven analysis that informs action and decision-making
Identify opportunities to enhance reporting efficiency, automate processes, and improve analytic transparency
Support and maintain pricing models for the Commercial Card and Sponsorship businesses, including the development and analysis of predictive pricing models to inform revenue optimization and competitive positioning strategies; assist in developing a next gen pricing tool
Develop and manage a centralized contract repository, overseeing the end-to-end lifecycle of commercial card agreements to ensure accuracy, governance, and operational efficiency
Act as a trusted analytics partner to Commercial Card and Merchant Sales, Product, Finance, and Business Management team (including client transaction reconciliation)