Senior Deposit Growth & Retention Strategist

Citizens; Westwood (MA); On-site; USD 150,000 - 210,000; Full time

Job summary

Citizens is seeking a Senior Product Partner for Deposit Retention & Engagement to translate rate-led portfolio and pricing strategies into targeted retention and deepening plays across field and digital channels. You will drive new money production, CD maturity, and customer journeys, partnering with Pricing, Analytics, Marketing, Digital and Retail to improve retention and relationship depth.

You will lead cross-functional initiatives to convert portfolio insights into actionable treatments,

Qualifications

• 8+ years in product management, deposit strategy or related discipline.
• Experience with deposit retention, CD maturity management, MMA or CD strategies.
• Experience translating portfolio, pricing or customer insights into field and digital execution strategies.
• Experience developing customer targeting, treatment, communication or behavioral-nudge strategies.
• Experience partnering with Pricing, Product, Analytics, Marketing, Digital, Retail or relationship-management teams.
• Experience establishing performance measures and closed-loop reporting for customer treatments or sales programs.

Responsibilities

• Develop MMA and CD growth & retention plays aligned with portfolio and pricing direction and targets.
• Lead CD maturity journeys, proactive retention treatments, balance-consolidation opportunities and win-back strategies.
• Identify priority customer groups based on maturities, balance movement, relationship depth and rate sensitivity.
• Translate customer and portfolio insight into clear treatment strategies, channel actions and measurable outcomes.
• Partner with Analytics to develop customer targeting, trigger and opportunity strategies for MMA and CD relationships.
• Define differentiated treatments based on customer value, relationship depth, maturity status and channel preference.
• Develop communications, behavioral nudges, offers and banker opportunities to support retention.
• Establish testing and learning plans to improve targeting precision and treatment effectiveness.

Skills

Analytical skills

Cross-functional leadership

Multi-workstream management

Deposits/MMA/CD knowledge

Education

Bachelor's degree in Business/Finance/Economics/Marketing

Job description

Citizens is seeking a Senior Product Partner for Deposit Retention & Engagement to translate rate-led portfolio and pricing strategies into targeted retention and deepening plays across field and digital channels. You will drive new money production, CD maturity, and customer journeys, partnering with Pricing, Analytics, Marketing, Digital and Retail to improve retention and relationship depth.

You will lead cross-functional initiatives to convert portfolio insights into actionable treatments,