Commercial Card Program Manager

PlainsCapital Bank is seeking to hire a Commercial Card Program Manager.

The Commercial Card Program Manager is responsible for leading the development, management, and scaling of our commercial card offering for business customers. This strategic role owns the program’s overall strategy and P&L and is accountable for designing and executing the product roadmap – including T&E, Purchasing Card, Virtual Card, Ghost Card, and Fleet card offerings where applicable. Key responsibilities include driving sales enablement, increasing customer adoption, and ensuring operational excellence across all facets of the program. This role will also oversee risk management and maintain an exceptional client experience. Success in this role requires close collaboration with cross-functional teams, including Sales, Credit, Operations, Risk & Compliance, Finance, Marketing, IT, and external partners. The ideal candidate will deliver sustained growth, strong internal controls, and best-in-class service.

Responsibilities

• Develop and execute multi-year strategy and annual plans for commercial cards, including market positioning, segment focus (SMB, middle market, corporate), and competitive differentiation.
• Own full program P&L: forecast and optimize spend volume, revenue (interchange), expenses (rebates, losses), and contribution margin.
• Drive growth through supplier enablement, virtual card expansion, line utilization, cross-sell strategies, and portfolio optimization.
• Lead product roadmap across T&E, P-Card, Virtual Card, and supporting capabilities (controls, tokenization, APIs, SSO).
• Prioritize features using customer feedback, data, and ROI; oversee business cases and pricing models.
• Partner with Technology and vendors to deliver timely, budget-aligned enhancements and integrations.
• Develop compelling value propositions and pricing for target segments; support RFPs and custom client solutions.
• Enable Treasury/Commercial Banking teams with training, playbooks, collateral, and Salesforce tools.
• Collaborate with Marketing to drive pipeline growth, activation, and utilization.
• Oversee implementation methodology to accelerate time to first spend and ensure seamless ERP/procurement/expense platform integrations.
• Continuously improve onboarding, dispute resolution, and service experience (NPS/CSAT).
• Maintain robust risk and compliance frameworks (KYC/OFAC, BSA/AML, PCI DSS, fraud monitoring).
• Partner with Credit on underwriting, line strategies, and delinquency management to balance growth and risk.
• Prepare for audits and ensure documentation is current and effective.
• Manage issuer processors, card networks, and fintech partners; oversee SLAs, roadmaps, and performance.
• Negotiate contracts and incentives; monitor program economics and deliverables.
• Lead supplier enablement initiatives to expand card acceptance and virtual card usage.
• Build dashboards and KPIs across spend, activation, revenue, losses, fraud, NPS, and implementation cycle times.
• Optimize pricing and portfolio performance; identify revenue opportunities and process improvements.
• Potentially lead a small team across product, operations, and enablement; influence cross-functional partners.
• Represent the program with senior leadership and at client/industry forums.
• Foster a culture of accountability, customer focus, and operational excellence.
• Perform other duties as needed.

Qualifications

• Must be eligible to work in the U.S. without sponsorship now or in the future.
• Must be able to report to Branch Office located at 2911 Turtle Creek Boulevard, Suite 1300, Dallas, TX 75219, without the need for relocation assistance.
• Industry Expertise: 6–10 years of experience in commercial cards, treasury services, payments, or related product management roles, with a track record of driving portfolio growth.
• Product Knowledge: Hands-on experience with at least two of the following: Travel & Entertainment (T&E) Cards, Purchasing Cards, Virtual Cards, Fleet Cards, supplier enablement, interchange/pricing strategies, card program controls, or integrations with expense/procurement platforms.
• Financial & Risk Acumen: Strong understanding of card economics (interchange, assessments, rebates), credit risk fundamentals, and fraud/risk controls. Familiarity with PCI DSS standards and card network rules.
• Go-to-Market Execution: Proven success partnering with sales teams to launch products, support client engagements, and respond to RFPs.
• Analytical Skills: Proficient in Excel or Google Sheets; working knowledge of BI tools such as Power BI or Tableau. Ability to translate data into actionable insights and financial impact.
• Stakeholder Engagement: Excellent communication and executive presence, with demonstrated ability to influence and collaborate across Sales, Credit, Risk/Compliance, Finance, Technology, and external vendors.
• Education & Certifications: Bachelor’s degree required; advanced credentials such as MBA, Certified Treasury Professional (CTP), Certified Purchasing Card Professional (CPCP), or PMP/Agile certifications are a plus.
• Technical Familiarity: Experience with issuer processor platforms and APIs/integrations. Familiarity with ERP and expense systems (e.g., Coupa, SAP Concur, Oracle, SAP, Workday).
• CRM & Workflow Tools: Working knowledge of Salesforce or similar CRM platforms, including pricing and contracting workflows.

The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.

About Us

PlainsCapital Bank was founded in 1988 by a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and approximately $198.8 million in assets, they began growing the bank one relationship at a time.

Over 30 years later, PlainsCapital Bank has held fast to its tried-and-true relationship-based culture and its commitment to financial strength and stability. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 55 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio. Backed by decades of experience, our knowledgeable bankers are renowned for their straightforward approach and for taking exceptional care of their clients. They bring both financial and industry expertise along with vast local market knowledge to each client relationship.

PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances.

PlainsCapital Bank continues to remain strong and stable, delivering highly personalized service and a single point of contact to help customers reach their financial goals.

To learn more, please visit us online at plainscapital.com/about