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About the Role

Citizens Commercial Bank is standing up a new Product organization, led by a Chief Product Owner reporting directly to the Head of Commercial. The Business Analyst is a foundational Day 1 hire and the analytical engine that supports the new function across the GenAI Banking Platform, Insights and lifecycle capabilities, AI governance, and Commercial analytics workstreams.

As a Business Analyst, you will complete elements in the definition, requirements, design, and delivery of projects, with a focus on AI driven initiatives in Commercial Banking. You will analyze business processes, identify requirements, and recommend data and AI enabled solutions to improve client outcomes and efficiency. Working with business, technology, and data teams, you will help translate needs into use cases, define data requirements, and ensure alignment with risk and regulatory standards. You will also contribute to problem solving, process improvements, and project execution across areas such as credit risk, onboarding, and portfolio management, while supporting best practices in data governance and responsible AI use. No supervisory responsibilities are required, but you may provide guidance and support to new colleagues.

You will join a Day 1 team of a Head of Product plus four product colleagues alongside the Commercial Analytics Team, which is integrated into the function as part of the EDA restructure. The function will scale in early 2027 with additional Product Owners for Treasury, Operations, and other Commercial domains supported by dedicated onshore and offshore scrum teams. You will be central to standing up the analytical, documentation, and intake muscle that allows the team to move quickly while maintaining responsible AI discipline.

Primary Responsibilities

Requirements Gathering and Documentation

• 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.

 

Business Process Analysis

• 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.

 

Solution Design and Evaluation

• 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.

 

Stakeholder Engagement and Communication

• 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.

 

Project Support and Collaboration

• 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.

 

Risk, Regulatory, and Responsible AI Alignment

• 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.

 

Commercial Banking Domain Contributions

• 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.

 

Required Qualifications

• 3 to 4 years of experience with business analysis, including requirements development.
• Capital markets product management experience desired.
• 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.

 

Education and Certifications

• Required: Bachelor's degree.

 

Skills and Competencies

• Strong execution orientation and attention to detail
• Effective communicator and collaborator across business and technology partners
• Ability to balance competing priorities and constraints
• Curiosity about AI, GenAI, and emerging Commercial Banking technologies
• Data driven and customer led mindset
• High ownership and accountability for clear, traceable deliverables

 

Hours and Work Schedule

Hours per Week: 40 Work Schedule: Monday through Friday Work Arrangement: in office/4-1 Hybrid 

 

 

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.