Business Analyst, Commercial Bank Product Organization

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,