Finance Director, Card & Unsecured Lending

Socket.dev; Johnston (RI); Hybrid; USD 170,000 - 230,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Retirement benefits

Parental leave

Flexible work arrangements

Education reimbursement

Wellness programs

Job summary

Citizens is seeking a dynamic Finance Director (SVP) to serve as CFO for Credit Card and Unsecured Lending, partnering with Consumer Lending leadership and cross-functional teams to drive performance and strategic growth. Responsible for financial leadership across portfolios, planning, profitability, and executive reporting.

The role oversees FP&A, capital optimization, and risk-adjusted returns, leading a team within Citizens' Reimagine the Bank initiative.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Mathematics, Statistics, or related field.
• Progressive finance experience within banking or financial services.
• Experience leading and developing finance teams.
• Experience supporting consumer lending, credit card, payments, or retail banking businesses.
• Strong skills in financial planning & forecasting, profitability analysis, executive communication, financial modeling, and strategic business case development.

Responsibilities

• Serve as the primary Finance executive supporting Credit Card and Unsecured Lending leadership, advising on investment prioritization and business performance management.
• Lead financial strategy development to support growth, profitability, and customer objectives.
• Develop and deliver materials for executive management reviews, strategic planning, and board discussions.
• Own forecasting processes for Balance Sheet, Income Statement, and non-financial outlooks.
• Drive portfolio profitability analysis across products, segments, channels, and vintages.
• Partner with Product, Strategy, and Marketing to evaluate customer economics and product economics.
• Collaborate with Credit Risk to evaluate portfolio performance and risk-adjusted returns.
• Work with Treasury on funding, interest rate sensitivity, and balance sheet strategies.
• Foster a high-performing finance team and drive process automation and data-driven decision making.

Skills

Financial planning forecasting

Profitability analysis

Executive communication

Financial modeling

Strategic business case development

Education

Bachelor's degree in Finance/Accounting/Economics/Math/Stats

CFA/CPA or other advanced designation

Tools

Essbase

Tableau

Dodeca

SQL-based reporting

Financial planning systems

Job description

Citizens is seeking a dynamic Finance Director (SVP) to serve as CFO for Credit Card and Unsecured Lending, partnering with Consumer Lending leadership and cross-functional teams to drive performance and strategic growth. Responsible for financial leadership across portfolios, planning, profitability, and executive reporting.

The role oversees FP&A, capital optimization, and risk-adjusted returns, leading a team within Citizens' Reimagine the Bank initiative.