Hybrid Credit Strategy Director — Consumer & SMB Banking

Citizens Financial; United States; Hybrid; USD 173,000 - 215,000; Full time

Benefits offered by this job

Medical, dental and vision coverage

Retirement benefits

Annual discretionary bonus

Job summary

Citizens Financial is seeking a Consumer and Business Banking Credit Execution Director to lead the development, refinement, and execution of acquisition credit strategies across portfolios.

The role requires translating business objectives and risk appetite into executable policies and roadmaps, partnering withProduct, Finance, Marketing, Technology, and Compliance to ensure analytically sound and well-controlled execution.

Qualifications

• Bachelor's degree required or equivalent.
• 7+ years of experience in consumer or small business lending, credit risk, or related fields.
• Ability to translate strategy into executable credit policies and measurements.
• Experience leading cross-functional teams and delivering results.

Responsibilities

• Lead development and execution of credit strategies across Consumer and Small Business portfolios.
• Translate risk appetite and priorities into clear credit policies and decision rules.
• Provide leadership across acquisition credit strategy, policy, and execution activities.
• Coordinate across capabilities to implement and deliver credit strategies.
• Ensure governance, controls, and performance metrics for strategy execution.
• Communicate updates and recommendations on strategy performance to senior leadership.

Skills

Analytical thinking

Executive communication

Cross-functional leadership

Policy translation

Education

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

Job description

Citizens Financial is seeking a Consumer and Business Banking Credit Execution Director to lead the development, refinement, and execution of acquisition credit strategies across portfolios.

The role requires translating business objectives and risk appetite into executable policies and roadmaps, partnering withProduct, Finance, Marketing, Technology, and Compliance to ensure analytically sound and well-controlled execution.