TS Sales Associate

Citizens • Johnston, RI

12h

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 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)

Benefits

• 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.
• 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.
• Background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level