Virtual Card Product Manager (Commercial Card)

Virtual Card Product Manager (Commercial Card)

The Virtual Card Product Manager is responsible for the end-to-end management, strategy, and execution of virtual card solutions within the commercial card portfolio. This role will drive product innovation, partner integration, client experience, and revenue growth while ensuring strong risk management and compliance frameworks. The ideal candidate brings a deep understanding of payments, commercial card products, and product management best practices.

Key Responsibilities

• Own the full product lifecycle for virtual card solutions, including strategy, roadmap, development, launch, and ongoing optimization.
• Define and execute product roadmap aligned with business objectives, client needs, and market trends in commercial card and payments.
• Drive commercialization of virtual card capabilities including buyer-initiated payments, virtual card for travel, mobile virtual card and embedded payment use cases.
• Partner with internal stakeholders (Sales, Treasury, Risk, Operations, Technology) to deliver scalable and competitive solutions.
• Collaborate with external partners including networks, processors, fintechs, and platforms (e.g., ERP, AP automation providers).
• Identify and prioritize product enhancements based on client feedback, market intelligence, and performance analytics.
• Lead business case development, pricing strategies, and revenue optimization initiatives (interchange, rebates, and fees).
• Ensure product compliance with regulatory, network, and internal risk standards, including fraud prevention and controls.
• Monitor product performance through KPIs (volume growth, client adoption, spend penetration, approval rates, fraud metrics).
• Support sales enablement through product training, messaging, and client-facing materials.
• Drive innovation in emerging payment capabilities such as tokenization, real-time payments integration, and embedded finance.

Qualifications

• Minimum 5+ years of experience in product management, payments, or commercial card solutions.
• Strong knowledge of virtual card products, accounts payable (AP) automation, and B2B payment flows.
• Experience working with payment networks (Visa/Mastercard), processors, or fintech partners.
• Demonstrated ability to manage products end-to-end and deliver measurable business outcomes.
• Strong analytical skills with experience leveraging data and AI to drive decision-making.
• Excellent stakeholder management and cross-functional collaboration skills.
• Experience with APIs, integrations, and digital product delivery preferred.
• Bachelor's degree required

Key Skills & Competencies

• Deep understanding of commercial card economics and value proposition
• Product strategy and roadmap development
• Payments ecosystem knowledge (issuers, acquirers, gateways, fintechs)
• Strong communication and presentation skills
• Ability to operate in a fast-paced, highly regulated environment
• Customer-centric mindset with focus on client experience and usability
• Strong knowledge and understanding of AI tools

Pay Transparency

The salary range for this position is $125,000-$145,000 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

Required Skills

• Business Savvy
• Curiosity
• Customer Alignment
• Customer Intelligence
• Customer-Centricity
• Digital Strategy
• Financial Inclusion
• Fostering Inclusion
• Industry Insight
• Innovation
• Motivating Others
• Organizational Knowledge
• Persistence and Tenacity
• Pricing Model and Strategy
• Product Development
• Product Improvement
• Product Knowledge
• Product Management
• Quality Assurance (QA)
• Risk Assessment
• Technical Credibility
• Valuing Diversity and Inclusion

About Us

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.