Discover your future at Citi Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you'll have the opportunity to grow your career, give back to your community and make a real impact. Job Overview Are you looking for a career move that will put you at the heart of a global financial institution? Then bring your exceptional strategic leadership, comprehensive business acumen, and payments expertise to Citi's Payments Product team. By Joining Citi, you will become part of a global organisation whose mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Team/Role Overview The successful candidate will join the Cluster UK and Europe Domestic Payments team focusing on strategically managing and driving Citi's Payment business in the UK and Europe markets. Sitting in Citi's Services business, this role demands a highly experienced and influential leader who will effectively act as the "CEO" of their product portfolio. This encompasses the full ownership of strategy, advanced product development, robust risk and controls, and aggressive commercial growth, all while ensuring full alignment with the dynamic regulatory environment and driving superior financial performance. You will be at the centre of a large network of partners, orchestrating efforts to deliver truly market-leading solutions. This is unequivocally a strategic Product Management role, focusing on visionary market strategy, end-to-end business ownership, and driving significant P&L impact. It is distinct from and requires a scope beyond a tactical Product Owner position. What you'll do Define and Execute Vision: Set the strategic vision and long-term roadmap for key payment solutions across the UK and Europe, ensuring alignment with global Payments strategy and market opportunities. Drive P&L Ownership: Take full accountability for the P&L growth of your product portfolio, proactively identifying market shifts, understanding complex client needs, and leading the creation and commercialisation of winning client solutions from conception to market dominance. Strategic Leadership: Provide decisive leadership in assessing, defining requirements, and overseeing the successful, compliant implementation of critical regulatory mandates and strategic initiatives across payment solutions. Architectural & Experiential Oversight: Develop a deep, strategic understanding of the payments application architecture, not just in its current state, but how it can be evolved to optimally support critical payment flows and deliver a best-in-class end-to-end client experience. Modernization & Innovation Driver: Spearhead modernization initiatives, driving product innovation, end-to-end project execution, and ensuring successful market adoption of next-generation payment capabilities. Influence & Shape Strategy: Critically contribute to and shape the overarching strategy of domestic payments in UK and Europe, collaborating at a senior level with country, subcluster, and global teams to continuously enhance our client proposition. Proactive Risk Management: Expertly assess and manage risk with a 'CEO mindset' when making critical business decisions, pre-empting and mitigating potential systemic risks, and escalating, managing, and reporting any issues with utmost transparency and urgency. Lead AI Integration: Champion and lead high-impact AI-related initiatives within the payments product space, identifying opportunities for competitive advantage and operational efficiency. What we'll need from you Extensive Demonstrable experience in Product Management, including business and strategic leadership experience within the payments landscape is a must. Proven track record as a "Payments Product Leader" with end-to-end P&L responsibility, market strategy definition, and the ability to influence and drive large-scale initiatives as owner of their product portfolio is a must. Exceptional leadership and executive communication skills: Ability to inspire, influence, and align diverse senior stakeholders across a complex global organisation. Deep, and strategic understanding of payment processing, messaging standards (e.g., ISO 20022), regulatory frameworks, and data flows, coupled with a forward-looking perspective on emerging payment technologies and market trends. Experience in successfully defining, developing, and launching complex, market-leading payment solutions. Mastery in business case development, and presenting compelling strategic proposals to senior leadership. Analytical and problem-solving abilities, applying ingenuity and creativity to resolve complex, novel, and ambiguous situations. Advanced risk management acumen: A strategic mindset for assessing, documenting, and managing business and regulatory risk within a dynamic product environment. Demonstrated ability to drive cross-functional collaboration at a senior level, fostering a culture of shared ownership and excellence. Experience with AI initiatives and their strategic application in payments is highly desirable. What we can offer you This is a role that will offer you the unparalleled opportunity to build in-depth knowledge of Citi's global Payments Business and to play a pivotal, leadership role in a truly global organisation with immense opportunities for impact and career growth. Every day will present new strategic business challenges that will demand and develop your highest-level skills. We work hard to have a positive financial and social impact on the communities we serve. In turn, we put our employees first and provide the best-in-class benefits they need to be well, live well and save well. By joining Citi London, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed), and enjoy a whole host of additional benefits such as: Generous holiday allowance starting at 27 days plus bank holidays; increasing with tenure A discretional annual performance related bonus Private medical insurance packages to suit your personal circumstances Employee Assistance Program Pension Plan Paid Parental Leave Special discounts for employees, family, and friends Access to an array of learning and development resources Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day. We want the best talent around the world to be energized to join us, motivated to stay, and empowered to thrive. Sounds like Citi has everything you need? Then apply to discover the true extent of your capabilities and lead the future of payments. Job Family Group: Product Management and Development Job Family: Product Management Time Type: Full time Most Relevant Skills Please see the requirements listed above. Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi's EEO Policy Statement and the Know Your Rights poster.