Credit Strategy Director, Consumer & Small Business Banking

Citizens; Newark (DE); Hybrid; USD 173,000 - 215,000; Full time

Job summary

Citizens seeks a Director-level leader to guide acquisition credit strategies for Consumer and Small Business portfolios. You will translate business objectives into credit policies, decision rules, and implementation priorities while aligning with stakeholders across Product, Finance, Marketing, Technology, and Compliance.

The role demands strong analytical and executive communication skills, with experience in risk management, governance, and regulatory considerations.

Qualifications

• Bachelor's degree or equivalent with analytical background.
• Experience developing and executing credit strategies balancing risk and growth.
• Strong translation of strategic intent into executable policies and plans.
• Experience leading cross-functional teams and influencing stakeholders.
• Understanding of credit decisioning, portfolio performance, and governance.

Responsibilities

• Lead development and execution of credit strategies across Consumer and Small Business portfolios.
• Translate risk appetite and priorities into clear credit policies and roadmaps.
• Provide leadership across policy, strategy, and execution activities.
• Coordinate across capabilities implementing credit strategies.
• Ensure governance, controls, and performance measures for strategy execution.
• Monitor portfolio performance, risks, and market conditions for adjustments.

Skills

Credit strategy

Leadership

Executive communication

Analytical judgment

Cross-functional collaboration

Regulatory knowledge

Education

Bachelor's degree in Business, Finance, Economics, Statistics, Mathematics, Data Science, or related field

MBA or Master's in Finance, Economics, Analytics, or related field

Job description

Citizens seeks a Director-level leader to guide acquisition credit strategies for Consumer and Small Business portfolios. You will translate business objectives into credit policies, decision rules, and implementation priorities while aligning with stakeholders across Product, Finance, Marketing, Technology, and Compliance.

The role demands strong analytical and executive communication skills, with experience in risk management, governance, and regulatory considerations.