Deposits and Investments: On-balance Product Manager

Citi
Citi

Product

Toronto, ON, Canada

CAD 141,600-212,400 / year

Posted on Jul 6, 2026

The Global Deposit & Investments (D&I) product group is responsible for product strategy, development and commercialization for On Balance Sheet Deposit/Overdraft and Off Balance Sheet short term investment solutions. Currently the group manages solutions including Interest Bearing and Non-Interest Demand Deposit Accounts, Global Pricing Engine, Client Money Accounts, DACA/Pledge Accounts, Fixed and Extended Term Deposits, Earnings Credit Rate Accounts, Citi Interest Optimization and Online Investments Money Market Funds across 90+ markets where TTS operates.

The On-balance Sheet Product manager (SVP) will be responsible for administering the day-to-day product strategy and management of the existing product portfolio including Time Deposits, Minimum Maturity Time Deposits, Earnings Credit, Overdrafts, Segregated accounts (e.g., client money), and Collateral Accounts (e.g., pledged).

Responsibilities:

  • Partners across product disciplines, assists in managing the overall performance of a given product suite and monitors performance drivers for the products and portfolios
  • This position may mentor and coach team members that is responsible for supporting ongoing performance and maintenance of a product or set of products, including client experience, pricing, risk and distribution
  • Implements performance improvement strategies, with a specific focus on cross-sell and integration, including the development of competitive analyses, market analyses, product development road maps, market plans, pricing strategies and product line extensions
  • Assists sales and relationship managers in building skills needed to identify client needs, and proposes solutions in line with business objectives
  • Gathers market intelligence and develops market sizing studies and models to identify the attractiveness of particular markets segments and product offerings. Defines and analyzes sector trends, opportunities and issues
  • Represent customer needs and provide strategic direction on product development features, functionality and overall competitiveness
  • Partners closely with sales teams to identify client opportunities and with the client management organization to meet with prospective clients and to size new opportunities
  • Builds consensus and awareness of value proposition throughout the organization and key partners
  • Participates in and prepares materials for the Product Approval Program and related processes, ensures products are delivered and adhere to all parameters globally
  • Collaborates with cross-functional teams, including technology, operations, legal, implementations, and sales to deliver solutions for Citi clients
  • Refines and produces sector-specific marketing material that will arm sales force with the tools necessary to grow Citi’s business
  • Manages product risk and control, documentation, credit, legal and regulatory risk, and manage transactional P&L through business drivers, and profitability ratios
  • Analyzes vertical/product specific P&L's to ensure goals are being met
  • Participates in/facilitates product discussions with partners in asset distribution, legal, credit risk, operations and systems capabilities to ensure seamless delivery of program expansions
  • Involved in coaching and training of new recruits and mentor other team members
  • Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.


Qualifications:

  • 10+ years of experience
  • Level of expertise and demonstrated experience in Product Management and/or Product Development discipline
  • Experience in and understanding of logistics or Industrial verticals experience with e-commerce solutions
  • Ability to make complex judgments and provide solutions based on sophisticated analytical thought comparing and selecting complex alternatives
  • In-depth quantitative or qualitative analysis to solve problems and develop new, innovative solutions
  • Ability to apply ingenuity and creativity to problem analysis and resolution in complicated and/or novel situations
  • Developed diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers
  • Experience with and confidence in delivering presentations to clients and senior managers


Education:

  • Bachelor’s/University degree, Master’s degree preferred


This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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Job Family Group:

Product Management and Development

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Job Family:

Product Performance Management

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Time Type:

Full time

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Primary Location Full Time Salary Range:

$141,600.00 - $212,400.00

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Most Relevant Skills

Please see the requirements listed above.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

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This job opening is for an existing job vacancy.

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