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The Corporate Payment Specialist (CPS) is responsible for prospecting and closing new business within the commercial card segment. This role requires strong knowledge of the commercial payments landscape, including the full sales cycle, pricing structures, and negotiation strategies. The CPS works closely with Relationship Managers (RMs), Treasury Sales Specialists (TSS), and Market Managers to identify, pursue, and win card opportunities with companies generating up to $50MM in annual revenue.
Job Responsibility
Attend client and prospect meetings with RMs and/or TSS to evaluate payment needs and align them with Citizens’ commercial card solutions
Develop and execute pre-call planning and post-call follow-up with internal partners to maintain momentum throughout the sales process
Guide clients through the onboarding and implementation phases, with a focus on driving charge volume and program utilization post-close
Analyze spend data and program usage to identify optimization opportunities, including credit line increases and supplier engagement
Submit and review vendor match templates to maximize supplier acceptance and enhance card adoption
Provide guidance on card pricing, including interchange implications related to data levels (Level I, II, III) and large-ticket transactions, to ensure optimal revenue capture and program profitability
Serve as a subject matter expert on card economics and educate internal partners and clients on how pricing structures impact cost and rebate potential
Engage RM teams across assigned markets for joint calling efforts and opportunity alignment, ensuring equitable lead distribution and market coverage
Requirements
Bachelor's degree in business, finance, or related field (or equivalent work experience) preferred
5+ years of experience in treasury management, commercial payments, or related financial services
Strong knowledge of commercial credit card programs
Excellent influence, communication, and relationship-building skills
Ability to analyze complex client needs and provide strategic solutions
Demonstrated ability to build strategic relationships with internal and external stakeholders
Strong negotiation, decision-making, and problem-solving skills
Expertise in pipeline management and sales forecasting, with proficiency in Salesforce or similar CRM systems
Willingness to travel to meet team and customer needs
Excellent interpersonal, communication, and presentation skills
proficiency in Microsoft Office Suite (Excel, Word, Powerpoint)
High attention to detail, client-first mindset, and strong communication skills for effective collaboration across teams
Strong understanding of interchange pricing, including MCC classifications and transaction types that qualify for enhanced data levels or large-ticket interchange categories
Ability to interpret client financials and payment flows to structure customized card solutions that meet client needs
Experience with supplier enablement and card strategies is preferred
Nice to have
Experience with supplier enablement and card strategies
What we offer
competitive pay
comprehensive medical, dental and vision coverage
retirement benefits
maternity/paternity leave
flexible work arrangements
education reimbursement
wellness programs
paid time off that exceeds mandatory paid sick or paid time-away policy