Senior Manager of Credit Risk for Unsecured Lending

2 weeks ago


Johnston, United States Citizens Financial Group, Inc. Full time
Position Overview

The Senior Manager of Credit Risk for Unsecured Lending will oversee the Credit Risk Management for Citizens Financial Group's Unsecured Lending products, including Credit Cards and Citizens Pays Pay, as well as DDA and Overdraft Lines. This role will report directly to the Head of Consumer Credit Risk Management and Pricing. The successful candidate will lead a team of credit and analytical professionals responsible for the comprehensive credit risk management of Citizens BankCard and Citizens Pay portfolios, encompassing acquisition strategies, account management, and collections oversight.

Key Responsibilities:
  • Management of the credit cycle for Retail Bank Cards and Citizens Pay.
  • Oversight of DDA and Overdraft Line credit risk.
  • Transformation of credit processing methodologies.
  • Development of procedures for various duties or execution of complex tasks within established policy frameworks.
  • Accountability for a defined set of responsibilities, including all financial activities for the department, while establishing necessary procedures to prioritize and achieve specific departmental goals.
Required Qualifications:
  • Over 10 years of experience in consumer credit risk management for Unsecured Products, with significant expertise in Credit Cards and BNPL.
  • Experience collaborating with regulatory bodies (OCC) on examination preparation, support, and remediation of findings is essential.
  • Familiarity with all three major US credit bureau providers is mandatory.
  • Proficiency in utilizing credit scoring models for acquisition, account management, and collections is required.
  • Knowledge of direct mail strategies related to customer acquisition is necessary.
Preferred Qualifications:
  • Strong understanding of Money In (DDA) processes.
  • Experience in the FinTech sector.
  • Knowledge of Risk-Based Pricing strategies.
  • Familiarity with leading credit tools such as those provided by FICO (Triad), Equifax (Ignite), and Experian (PowerCurve and Ascend) is advantageous.
Educational Background:
  • A Bachelor's or Master's degree in Statistics or Data Science is required.
  • A PhD in Statistics is preferred.
Work Schedule:
  • 3 days in the office, 2 days remote.
  • Standard hours: 40 hours per week, Monday to Friday.
About Citizens Financial Group

Commitment to Diversity and Inclusion

At Citizens, we prioritize diversity, equity, and inclusion, ensuring that all individuals are treated with respect and professionalism. Employment decisions are based solely on experience, performance, and capability. Citizens Financial Group, Inc. and its affiliates provide equal employment and advancement opportunities to all colleagues and applicants without regard to any protected category as defined by federal, state, or local laws.

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