Consumer Credit Card Product Performance Partner

Citizens Financial; United States; On-site; USD 116,000 - 157,000; Full time

Benefits offered by this job

Discretionary bonus

On-site work 4 days a week

Job summary

Citizens Financial is seeking a Consumer Credit Card Product Performance Partner to ensure disciplined end-to-end product management across the credit card business in the United States. The role coordinates across product, risk, operations, legal, and technology to govern changes in a controlled and compliant manner.

The position emphasizes process design, governance, risk and control ownership, continuity planning, and records management, with on-site work four days per week at multiple

Qualifications

• Completed Bachelor's degree in Business, Finance, Economics, or related field.
• 7+ years in credit cards, payments, operations, or financial services product management.
• Strong knowledge of risk management, controls, and compliance standards.
• Proven ability to lead cross-functional projects and influence stakeholders.
• Excellent analytical, communication, and documentation skills.
• Proficiency in Microsoft Office and governance tools.
• Ability to work on-site 4 days per week in designated locations.

Responsibilities

• Process Design & Mapping: Lead the design, documentation, and ongoing optimization of end-to-end business processes, including development of process maps, identification of handoffs and dependencies, and implementation of opportunities to simplify, standardize, and strengthen execution.
• Procedure Governance: Establish and maintain a disciplined procedure governance framework, ensuring business procedures are accurate, current, appropriately approved, centrally maintained, and reviewed on a defined cadence.
• Business Risk & Control Ownership: Serve as a key business owner for the risk and control environment, partnering with Risk, Compliance, and Operations to identify risks, design and maintain effective controls, support testing and audits, remediate issues, and ensure sustainable control execution.
• Business Continuity Planning: Own and maintain business continuity and resiliency plans for critical business functions, including identification of critical processes, dependencies, recovery requirements, contingency procedures, and periodic testing.
• Document & Records Retention Management: Oversee document and records retention practices, ensuring business records are appropriately classified, stored, retained, and disposed of in accordance with enterprise policies, regulatory requirements, and established retention schedules.
• Governance & Continuous Improvement: Create clear ownership, standards, inventories, reporting, and governance routines across processes, procedures, controls, continuity plans, and records management while proactively identifying gaps and driving remediation and continuous improvement.

Skills

Cross-functional leadership

Analytical skills

Communication skills

Documentation skills

MS Office

Governance tools

Education

Bachelor's degree in Business/Finance/Economics

MBA

Tools

Tableau

Power BI

Job description

At Citizens, we're building a best-in-class consumer credit card business designed around our customers' needs and ambitions.

The Consumer Credit Card Product Performance Partner will be responsible for ensuring that the end-to-end product management activities operate with strong procedural discipline, include robust controls, and comply with all regulatory and internal standards.

This role serves as the operational and control owner for the Credit Card Business. This individual will ensure all processes are well documented, risks are identified and managed, and control monitoring is effective. This role will also coordinate across product, risk, operations, legal, and technology teams to ensure that when there are changes, they are properly governed, reviewed, and embedded in a controlled and compliant manner.

Primary responsibilities include

• Process Design & Mapping : Lead the design, documentation, and ongoing optimization of end-to-end business processes, including development of process maps, identification of handoffs and dependencies, and implementation of opportunities to simplify, standardize, and strengthen execution.
• Procedure Governance : Establish and maintain a disciplined procedure governance framework, ensuring business procedures are accurate, current, appropriately approved, centrally maintained, and reviewed on a defined cadence.
• Business Risk & Control Ownership : Serve as a key business owner for the risk and control environment, partnering with Risk, Compliance, and Operations to identify risks, design and maintain effective controls, support testing and audits, remediate issues, and ensure sustainable control execution.
• Business Continuity Planning : Own and maintain business continuity and resiliency plans for critical business functions, including identification of critical processes, dependencies, recovery requirements, contingency procedures, and periodic testing.
• Document & Records Retention Management: Oversee document and records retention practices, ensuring business records are appropriately classified, stored, retained, and disposed of in accordance with enterprise policies, regulatory requirements, and established retention schedules.
• Governance & Continuous Improvement : Create clear ownership, standards, inventories, reporting, and governance routines across processes, procedures, controls, continuity plans, and records management while proactively identifying gaps and driving remediation and continuous improvement.

Qualifications, Education, Certifications and/or Other Professional Credentials

Required Qualifications

• Completed Bachelor's degree in Business, Finance, Economics, or related field.
• 7+ years in credit cards, payments, operations, or financial services product management.
• Strong knowledge of risk management, controls, and compliance standards.
• Proven ability to lead cross-functional projects and influence stakeholders.
• Excellent analytical, communication, and documentation skills.
• Proficiency in Microsoft Office and governance tools.
• Ability to work on-site 4 days per week in designated locations.

Preferred Qualifications

• MBA or advanced degree.
• Experience with credit card lifecycle management and change governance.
• Familiarity with regulatory requirements (OCC, CFPB) and enterprise risk frameworks.
• Skills in process automation and reporting tools (Tableau, Power BI).
• Knowledge of Agile methodologies and customer experience principles.
• Proven record of consistent employment and long-term tenure

Hours and Work Schedule:

• Hours per Week: 40
• Location: Newark, DE, Westwood, MA, Johnston RI, Shelton, CT
• Work Schedule: 8-5 PM ET ; Monday - Friday, 4 days in the office.
• Travel: Ability to travel up to 10%

Pay Transparency

The salary range for this position is $116,000-$157,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits .

Citizens will not sponsor an applicant for a work visa, such as an H-1B, for this position.

#LI-Citizens1