Director, Retail Deposits Growth & Sales Strategy

Citizens Financial; United States; Hybrid; USD 180,000 - 240,000; Full time

Job summary

Citizens Financial seeks a Director, Retail Deposits Growth & Sales Strategy to lead deposit growth initiatives across branch and assisted channels. This leader will drive checking and savings acquisition, balance growth, household expansion, customer engagement, relationship deepening, and sales effectiveness across the retail distribution network.

The role partners extensively with Distribution, Sales Enablement, Product, Marketing, Digital, Technology, Analytics, Operations, Learning &

Qualifications

• Bachelor's degree or equivalent with 10+ years in retail banking or related fields.
• Experience leading growth strategy across branch, digital, and assisted channels.
• Strong analytical, financial acumen, and executive communication skills.

Responsibilities

• Develop and execute retail deposit growth strategies focused on checking and savings.
• Translate enterprise household-growth objectives into market-specific plans.
• Establish sales performance metrics, accountability frameworks, and productivity measures.
• Drive execution of sales strategies across branches and assisted channels.
• Lead management and CRM enhancements to optimize lead routing and conversions.

Skills

Strategic leadership

Cross-functional collaboration

Data-driven decision making

Executive communication

Education

Bachelor's degree or higher

MBA or advanced business degree

Job description

Citizens is seeking a strategic and execution-oriented Director, Retail Deposits Growth & Sales Strategy to lead retail deposit growth initiatives across branch and assisted channels. This leader will be responsible for driving checking and savings acquisition, deposit balance growth, household expansion, customer engagement, relationship deepening, and sales effectiveness across the retail distribution network.

The role partners extensively with Distribution, Sales Enablement, Product, Marketing, Digital, Technology, Analytics, Operations, Learning & Development, Finance, Risk, and Small Business teams to deliver measurable customer, sales, and financial outcomes.

Locations & Work Arrangement : Remote is not an option, candidates must be willing to commute to one of the following hub locations with a hybrid schedule of 4 days onsite and 1 day remote per week with flexibility in one of our office locations.

Key Responsibilities

Retail Deposits Growth Strategy

• Develop and execute retail deposit growth strategies focused on checking and savings acquisition, balance growth, and household expansion.
• Translate enterprise household-growth objectives into market-specific strategies, sales goals, and execution plans.
• Partner with Distribution leadership to align enterprise priorities with frontline execution.
• Develop market-specific growth plans based on customer opportunity, competitive landscape, and channel performance.
• Balance local market flexibility with enterprise standards, customer experience, and financial objectives.

Sales Performance & Productivity Management

• Establish sales performance metrics, accountability frameworks, and productivity measures.
• Monitor branch, market, channel, and individual performance to identify growth opportunities and performance gaps.
• Analyze sales drivers, execution risks, and barriers impacting business performance.
• Design operating routines, coaching processes, and performance improvement initiatives.
• Ensure performance measures support responsible growth, customer value, and risk management objectives.

Retail Sales Execution

• Drive execution of sales strategies across branches and assisted sales channels.
• Implement market-specific sales approaches based on customer demand and distribution capacity.
• Partner with Sales Enablement and Learning & Development teams to enhance frontline capabilities, tools, and sales readiness.
• Influence incentive programs, campaigns, offers, and sales capability enhancements.
• Serve as a voice of the field by providing feedback to Product, Marketing, Digital, and Technology teams.

Lead Management & Assisted Channel Growth

• Improve lead generation, referral management, lead routing, prioritization, follow-up, and conversion effectiveness.
• Partner with Digital teams to optimize digital-to-assisted customer journeys and sales conversions.
• Advance CRM, lead management, next-best-action, and workflow capabilities.
• Improve customer and colleague experiences by reducing process friction and enhancing sales interactions.
• Establish KPIs for lead quality, conversion rates, speed-to-contact, customer outcomes, and relationship growth.

Analytics & Executive Reporting

• Utilize data analytics and financial analysis to identify opportunities and prioritize initiatives.
• Partner with Finance and Analytics teams to forecast business outcomes and measure strategy effectiveness.
• Develop executive presentations, business cases, recommendations, and strategic roadmaps.
• Establish governance frameworks and operating rhythms with business stakeholders.

Leadership

• Lead through influence across matrixed organizations and stakeholder groups.
• Develop and mentor talent while fostering a performance-driven and customer-centric culture.
• Operate effectively within a regulated banking environment while ensuring compliance, risk management, and control adherence.

Required Qualifications

• Bachelor's degree or equivalent combination of education and relevant experience.
• 10+ years of progressive experience in one or more of the following: Retail Banking
• Consumer Deposits
• Sales Leadership
• Distribution Strategy
• Growth Strategy
• Product Management
• Marketing
• Direct experience managing consumer deposit products, including any of the following: Checking Accounts
• Savings Accounts
• Deposit Acquisition
• Balance Growth
• Household Deepening
• Experience integrating branch, contact center, and digital customer journeys.
• Strong analytical, financial, written, verbal, and executive communication skills.
• Proven ability to influence senior stakeholders within large, matrixed organizations.
• Leadership experience within regulated financial services environments.

Preferred Qualifications

• MBA or other advanced business degree.
• Experience leading growth initiatives within large retail banking organizations.
• Experience supporting branch network optimization and sales transformation efforts.
• Expertise in assisted-channel growth strategies and customer journey optimization.
• Experience partnering across Product