Finance Director - Credit 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

CFO – Credit Card & Unsecured Lending

Position Summary

Citizens is seeking a dynamic Finance Director (SVP) to serve as the CFO and strategic finance leader for the Credit Card and Unsecured Lending businesses. This role will partner directly with Consumer Lending leadership, Product, Risk, Treasury, Marketing, Operations, and Enterprise Finance leaders to drive business performance, profitable growth, and strategic decision-making. The position is responsible for financial leadership across Citizens' Credit Card and Unsecured Lending portfolios, including business planning, forecasting, profitability, pricing analytics, balance sheet management, credit performance oversight, capital optimization, and executive reporting. The successful candidate will act as a trusted advisor to senior business leaders while helping shape the near- and long-term growth strategy of one of Citizens' priority Consumer Lending businesses.

Key Responsibilities

Business CFO Leadership

• Serve as the primary Finance executive supporting Credit Card and Unsecured Lending leadership - acting as the key advisor for executive decision making, investment prioritization, and business performance management.
• Lead financial strategy development and support achievement of growth, profitability, and customer objectives.
• Develop and deliver materials for executive management, forecasting reviews, strategic planning sessions, and board-level discussions.

Financial Planning & Analysis

• Own monthly, annual, and strategic plan forecasting processes for Balance Sheet, Income Statement, and non-financial outlooks.
• Identify risks and opportunities and develop actions to close forecast gaps.
• Drive portfolio profitability analysis across products, customer segments, acquisition channels, and vintages.
• Partner with Product, Strategy, and Marketing teams to evaluate customer & relationship and product economics.
• Partner with Credit Risk to evaluate portfolio performance, loss trends, and risk-adjusted returns.
• Partner with Treasury and Finance leadership on funding, interest rate sensitivity, and balance sheet strategies.
• Monitor performance against profitability, capital, and return objectives.

Leadership & Organizational Development

• Lead analysts and finance managers supporting Credit Card and Unsecured Lending while building and developing a high-performing Card and Unsecured finance team as Citizens undergoes our "Reimagine the Bank" initiatives.
• Drive process automation, reporting modernization, and data-driven decision making.
• Foster strong partnership across Consumer Lending, Enterprise Finance, Treasury, Risk, and Corporate FP&A.

Required 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.
• Demonstrated experience supporting consumer lending, consumer banking, credit card, payments, personal lending, or retail banking businesses.
• Strong skills in:
  • Financial planning & forecasting
  • Profitability analysis
  • Executive communication
  • Financial modeling
  • Strategic business case development
• Proven ability to influence senior executives and cross-functional leadership teams.

Preferred Qualifications

• CFA, CPA, or other advanced financial designation.
• Experience with Essbase, Tableau, Dodeca, SQL-based reporting, and financial planning systems.

Hours & Work Schedule

• Hours per Week: 40+
• Schedule: Monday through Friday (4 days in office required, 1 day remote)

Work Authorization: This role is not eligible for new employer sponsored or current H-1 B visa holders. Applicants, including current OPT, L and other visa holders, must be authorized to work in the U.S. without the need for new employer sponsorship for themselves or their spouses now and in the future.

Pay Transparency

• The salary range for this position is $170,000-$230,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to, the budget, 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.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Equal Employment and Opportunity Employer

Job Applicant Data Privacy Policy

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.