Description

Sr. Account Manager, Commercial Card

Job Description

The Account Manager (AM) is accountable for the card relationship and growth for an assigned portfolio of Commercial Card clients. This role is responsible for deepening card relationships, increasing spend, protecting existing revenue, and expanding product feature adoption. The AM’s objective is to evolve clients from transactional card users into high‑value, long‑term partnerships by delivering creative problem solving, proactive portfolio management, differentiated service, and measurable growth outcomes. 

The Account Manager partners closely with Treasury Relationship Managers, Relationship Bankers, Product, Operations, and Client Services to ensure strong client satisfaction, risk management, and sustainable portfolio growth.

Primary Responsibilities

Portfolio Growth & Optimization

• Develop and drive growth strategy for portfolio of commercial card customers. 
• Drive incremental revenue through cross‑sell, usage (use-case) expansion, and optimization campaigns. 

Relationship Ownership

• Serve as primary card relationship owner and SME. Maintain deep understanding of client goals, spend behavior, pain points, and growth blockers.

Client Satisfaction & Issue Resolution

• Own overall client card satisfaction. Act as escalation point beyond Client Payment Services (CPS). Drive QBRs and executive level discussions.

Proactive Risk & Retention Management

• Monitor spend trends, attrition risk, and credit constraints. Intervene early with optimization or retention strategies.

Qualifications

10+ years’ experience in commercial card, commercial banking, payments, or account management. Strong understanding of Commercial Card programs and economics. Strong communication and analytical skills.

Hours & Work Schedule

40 hours per week.

Monday–Friday.

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

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.