Deposit, Sr. Product Partner

Citizens Bank•United States,

About The Position

The Sr. Product Partner, Deposit Retention & Engagement is a leadership role responsible for translating rate-led portfolio and pricing strategies into targeted retention and deepening initiatives across field and digital channels. The role focuses on new money production, CD maturity and retention journeys, customer targeting, banker engagement, digital enablement, communications, and closed-loop performance management. Pricing establishes product pricing and rate strategy; this role converts portfolio opportunities into coordinated customer treatments, field actions, and digital experiences that improve retention and relationship outcomes. The position partners closely with Pricing, Analytics, Marketing, Digital, Customer Experience Delivery, Retail, and Relationship Banking teams. It develops MMA and CD growth and retention strategies, designs differentiated customer treatments, enables field and digital execution, and measures outcomes. The role also presents performance, risks, recommendations, and delivery needs to senior leaders and cross-functional partners, while ensuring strategies meet regulatory, risk, customer-experience, and operational requirements.

Requirements

Bachelor's degree in Business, Finance, Economics, Marketing, or a related field.
At least 8 years of experience in product management, deposit strategy, portfolio management, customer engagement, marketing strategy, digital banking, or a related discipline.
Prior experience with deposit retention, CD maturity management, MMA or CD customer strategies, balance-consolidation plays, or targeted deposit offers.
Experience translating portfolio, pricing, or customer insights into field and digital execution strategies.
Experience developing customer targeting, treatment, communication, or behavioral-nudge strategies.
Experience partnering with Pricing, Product, Analytics, Marketing, Digital, Retail, or relationship-management teams.
Experience establishing performance measures and closed-loop reporting for customer treatments or sales programs.
Strong analytical and commercial judgment, including the ability to translate portfolio insights into practical customer and channel actions.
Strong cross-functional leadership, communication, and stakeholder-management skills.
Ability to manage multiple retention and enablement workstreams and drive clarity across complex partner organizations.
Working knowledge of consumer deposits, MMA/CD customer behavior, digital experiences, and field sales processes.

Responsibilities

Develop and manage targeted MMA and CD growth and retention plays aligned with portfolio and pricing direction and business new-money and deposit targets.
Lead CD maturity journeys, proactive retention treatments, balance-consolidation opportunities, and win-back strategies.
Identify priority customer groups using maturities, balance movement, relationship depth, rate sensitivity, and opportunity.
Translate customer and portfolio insights into treatment strategies, channel actions, and measurable business outcomes.
Partner with Analytics to develop customer targeting, triggers, and opportunity strategies for MMA and CD relationships.
Define differentiated treatments based on customer value, relationship depth, maturity status, balance behavior, and channel preference.
Develop communications, behavioral nudges, offers, and banker opportunities that support retention and relationship deepening.
Establish testing and learning plans to improve targeting precision, treatment effectiveness, and customer response.
Translate MMA and CD opportunities into actionable field plays with customer rationale, recommended actions, and success measures.
Partner with the Product Director, Relationship Banking Strategy, to incorporate priority opportunities into PCRM and Business Banking RM leads, coverage approaches, and banker routines.
Partner with Retail leaders on branch-supported maturity, retention, and balance-consolidation opportunities.
Gather field feedback and use conversion results to refine targeting, treatments, and execution approaches.
Partner with Digital and Customer Experience Delivery teams to improve MMA and CD sales, maturity, and retention experiences.
Define requirements for targeted placements, digital prompts, maturity choices, balance movement, and fulfillment capabilities.
Determine whether opportunities should be handled digitally, through the field, or through coordinated channel treatments.
Connect digital engagement, customer response, and banker follow-up through reusable lead and measurement capabilities.
Develop scorecards covering CD renewal, total-deposit retention, MMA/CD sales, balance retention, treatment response, and channel conversion.
Establish closed-loop measurement across targeting, customer treatment, digital engagement, banker activity, and retained balances.
Present performance, risks, recommendations, and delivery needs to senior leaders and cross-functional partners.
Ensure retention and engagement strategies comply with regulatory, risk, customer-experience, and operational requirements.