Finance Sr Manager - Deposits

Citizens Bank, N.A.; Cropwell (NJ); Hybrid; USD 129,000 - 169,000; Full time

Job summary

Citizens Bank is seeking a Finance Senior Manager to partner with Consumer Deposits, delivering analyses that illuminate growth drivers and profitability. You will oversee reporting across the balance sheet and income statement, framing insights for strategic decision-making and guiding budgeting, forecasting, and planning.

The role emphasizes building scalable analytics, leveraging automation, and developing modeling frameworks to evaluate opportunities and investments.

Qualifications

• Experience in Consumer Banking, Deposits, or related financial services.
• Experience with enterprise financial planning and reporting.
• Familiarity with customer and product economics across distribution channels.
• Experience partnering with Sales and Marketing or other banking functions.
• Experience applying automation/AI tools in Finance.

Responsibilities

• Lead financial reporting and analysis across balance sheet and income statement.
• Develop understanding of product/portfolio economics and assess financial implications of strategies.
• Perform complex financial analysis to identify trends, risks, opportunities, and investigations.
• Translate financial results into clear insights for business leaders.
• Connect financial performance with product, customer, channel, and market dynamics.
• Support forecasting, budgeting, and strategic planning with key drivers analysis.
• Develop financial models and frameworks to evaluate opportunities and investments.
• Drive improvements in reporting and analytical processes for accuracy and scalability.
• Leverage technology to automate and streamline financial analysis.
• Maintain data integrity across reporting, modeling, and analytics.

Skills

Financial analysis

Business partnering

Automation in finance

Strategic planning

Financial modeling

Education

MBA or relevant advanced degree/certification

Tools

Essbase

Job description

Description

Finance Senior Manager - Consumer Deposits Finance

The Finance Senior Manager will serve as a key finance partner supporting Consumer Deposits, with responsibility for delivering financial analysis and insights that strengthen understanding of business performance and support strategic decision-making. The role will provide comprehensive financial support across the balance sheet and income statement, developing a holistic view of the drivers of growth, revenue, expense, and profitability.

This individual will combine strong financial acumen with advanced analytical capabilities to evaluate business performance, identify underlying trends and opportunities, and translate complex financial information into actionable insights. The role requires an understanding of banking and product economics and the ability to connect financial results with the underlying customer, product, channel, and market dynamics driving performance.

The role will also help advance the Finance organization’s analytical capabilities by continuously improving how information is sourced, analyzed, and delivered. This includes leveraging technology and automation to simplify processes, improve the quality and speed of financial analysis, and create more scalable approaches to recurring reporting and decision support.

Primary Responsibilities

• Lead financial reporting and analysis across the balance sheet and income statement, providing insight into business performance and key financial drivers.
• Develop a comprehensive understanding of product and portfolio economics and assess the financial implications of business strategies, investments, and performance trends.
• Perform complex financial and data analysis to identify trends, emerging risks, opportunities, and areas requiring further investigation.
• Translate financial results into clear insights that enable business leaders to understand performance and make informed decisions.
• Partner across Finance and business functions to connect financial performance with underlying product, customer, channel, and market dynamics.
• Support forecasting, budgeting, and strategic planning through analysis of key business assumptions, financial drivers, and potential outcomes.
• Develop financial models and analytical frameworks to evaluate business opportunities, strategic initiatives, and investment decisions.
• Drive continuous improvement of financial reporting and analytical processes, with a focus on accuracy, efficiency, scalability, and usability.
• Leverage technology, automation, and emerging analytical capabilities to improve the design and delivery of financial analysis and reduce reliance on manual processes.
• Maintain strong financial controls and data integrity across reporting, modeling, and analytical activities.
• Provide leadership, coaching, and development to team members and contribute to building strong analytical capabilities across the Finance organization.

Qualifications

• Progressive experience supporting Consumer Banking, Deposits, Product, or other financial services businesses.
• Experience with enterprise financial planning, reporting, or multidimensional database tools such as Essbase.
• Familiarity with customer and product economics across multiple distribution and delivery channels.
• Experience partnering with commercial functions such as Sales and Marketing or with adjacent banking businesses.
• Experience applying automation, advanced analytics, AI enabled tools, or other technologies within a Finance environment.
• MBA, advanced degree, or relevant professional certification.

Hours & Work Schedule

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

Pay Transparency

• The salary range for this position is $129,000-$169,000 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.

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.

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.