Senior Manager of Credit Risk Strategy

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 functions for Citizens Financial Group, specifically focusing on Unsecured Lending products, including Credit Cards and Citizens Pay. This role will report directly to the Head of Consumer Credit Risk Management and Pricing. The individual will lead a team of credit professionals and analysts 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 lifecycle for Retail Bank Cards and Citizens Pay.
  • Oversight of credit risk for DDA and Overdraft Lines of Credit.
  • Implementation of credit processing transformations.
  • Development of procedures for a variety of complex tasks within established policy frameworks.
  • Accountability for a defined set of assignments, including all financial activities for the department, with expectations to establish necessary procedures to prioritize and achieve specific departmental goals.
Required Qualifications:
  • Over 10 years of experience in consumer credit risk management, particularly with Unsecured Products, including extensive knowledge of Credit Cards and Buy Now Pay Later (BNPL) offerings.
  • Experience collaborating with regulatory bodies (OCC) for examination preparation 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 for customer acquisition is essential.
Preferred Qualifications:
  • Strong understanding of Money In (DDA) concepts.
  • Experience in the FinTech sector.
  • Comprehension of Risk-Based Pricing methodologies.
  • 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:
  • Hybrid work model: 3 days in-office, 2 days remote.
  • Standard work hours: 40 hours per week, Monday to Friday.
About Citizens Financial Group, Inc.

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 made based on experience, performance, and capability. Citizens Financial Group, Inc. provides equal employment and advancement opportunities to all colleagues and applicants without regard to any protected category as defined by federal, state, or local laws.

  • 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...

  • Credit Risk Analytics

    1 month ago


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

    Job Description The Credit Risk Sr Professional will be responsible for managing key Credit Risk project execution across business areas. The incumbent will use modeling techniques to be able to build and optimize credit strategies, while staying on top of credit performance. Will assist in the management of Citizen's lending portfolio, implementing decision...


  • Johnston, United States Citizens Bank Full time

    Position Title: Senior Manager of First Line Risk Department: Risk Management Overview: As a Senior Manager of First Line Risk, you will play a pivotal role in ensuring the integrity and effectiveness of risk management practices within the organization. Your leadership will be essential in fostering a culture of risk awareness and accountability. Key...


  • Johnston, United States Citizens Financial Group, Inc. Full time

    Job DescriptionSenior Credit Review Manager - Wholesale and Capital Markets The Senior Credit Review Manager is a member of the bank's Credit Review function. Credit Review is an independent team reporting to the bank's Audit Committee and is responsible for oversight of all bank lending activities. The Senior Credit Review Manager is responsible for the...


  • Johnston, United States Citizens Bank Full time

    Position Overview: The Senior Manager of First Line Risk is responsible for overseeing risk management strategies within the organization. This role involves collaborating with various teams to ensure that risk policies are effectively implemented and adhered to. Key Responsibilities: Develop and maintain risk management frameworks that align with...


  • Johnston, United States Citizens Full time

    Job SummaryThe Senior Manager of First Line of Defense (1LOD) Risk for Consumer Specialty Operations (CSO) has overall responsibility for providing risk advisory services for all consumer debt products, including Collections/Recovery, Strategy and Execution, Mortgage Default, Vendor Management, Credit Reporting (FCRA), Managed Assets Division (MAD), and Loan...


  • Johnston, United States Citizens Bank Full time

    Position Title: Senior Manager of First Line Risk Business Area: Risk Management Location: Multiple locations including remote options As a Senior Manager of First Line Risk, you will play a crucial role in overseeing risk management strategies within the organization. Your responsibilities will include: Developing and implementing risk assessment...


  • Johnston, United States Citizens Bank Full time

    Position Title: Senior Manager of First Line Risk Business Unit: Risk Management Location: Various options available including remote opportunities Role Overview: The Senior Manager of First Line Risk will play a crucial role in overseeing risk management strategies within the organization. This position involves: Developing and implementing risk management...


  • Johnston, United States Citizens Bank Full time

    Position Title: Senior Manager of First Line Risk Business Area: Risk Management Location: Various options including remote work As a Senior Manager of First Line Risk at Citizens Bank, you will play a pivotal role in overseeing risk management strategies within the organization. Your responsibilities will include: Developing and implementing risk...

  • Senior Risk Manager

    2 days ago


    Johnston, United States Citizens Bank Full time

    Job Summary:Citizens Bank is seeking a Senior Risk Manager - Trust to join our team. As a key member of our risk management function, you will be responsible for identifying, assessing, and mitigating risks associated with our trust business.Key Responsibilities:Develop and implement risk management strategies to ensure compliance with regulatory...


  • Johnston, United States Citizens Bank Full time

    Position Title: Senior Manager of First Line Risk Department: Risk Management Overview: The Senior Manager of First Line Risk plays a pivotal role in ensuring the integrity and security of our operations. This position is essential for maintaining a robust risk management framework within the organization. Key Responsibilities: Develop and implement risk...


  • Johnston, United States Citizens Bank Full time

    Position Overview: The Senior Manager of First Line Risk is a pivotal role within our organization, focusing on the management and oversight of risk within the first line of defense. Key Responsibilities: Develop and implement risk management strategies that align with organizational objectives. Collaborate with various teams to ensure effective risk...

  • Senior Risk Manager

    3 days ago


    Johnston, United States Citizens Bank Full time

    Job Summary:Citizens Bank is seeking a Senior Risk Manager - Trust to join our team. As a key member of our risk management function, you will be responsible for identifying, assessing, and mitigating risks associated with our trust business.Key Responsibilities:Develop and implement risk management strategies to ensure compliance with regulatory...


  • Johnston, United States Citizens Bank Full time

    Position Overview: The Senior Manager of First Line Risk is a pivotal role within our organization, focusing on the oversight and management of risk within the first line of defense. Key Responsibilities: Develop and implement risk management strategies that align with organizational objectives. Collaborate with various teams to ensure compliance with...


  • Johnston, United States Citizens Bank Full time

    Position Title: Senior Manager of First Line Risk Department: Risk Management Overview: The Senior Manager of First Line Risk plays a crucial role in overseeing risk management strategies within the organization. This position is essential for ensuring that risk-related practices align with the company's objectives and regulatory requirements. Key...


  • Johnston, United States Citizens Bank Full time

    Position Title: Senior Manager of First Line Risk Department: Risk Management Location: Various locations including remote options Role Overview: The Senior Manager of First Line Risk is responsible for overseeing risk management strategies within the organization. This role focuses on ensuring that risk practices align with the company's objectives and...


  • Johnston, United States Citizens Bank Full time

    Position Title: Senior Manager of First Line Risk Department: Risk Management Location: Multiple locations including remote options Overview: As a Senior Manager of First Line Risk, you will play a crucial role in overseeing risk management strategies within the organization. Your responsibilities will include: Risk Assessment: Conduct thorough evaluations...


  • Johnston, United States Citizens Bank Full time

    Position Overview: The Senior Manager of First Line Risk is responsible for overseeing risk management initiatives within the organization. This role focuses on identifying, assessing, and mitigating risks to ensure the integrity and security of operations. Key Responsibilities: Lead the development and implementation of risk management strategies....


  • Johnston, United States Citizens Bank Full time

    Position Overview: The Senior Manager of First Line Risk is responsible for overseeing risk management strategies within the organization. This role involves ensuring that all risk-related activities align with the company's objectives and regulatory requirements. Key Responsibilities: Develop and implement comprehensive risk management frameworks....


  • Johnston, United States Citizens Bank Full time

    Position Overview: The Senior Manager of First Line Risk is responsible for overseeing risk management initiatives within the organization. This role involves developing and implementing strategies to identify, assess, and mitigate risks associated with operational processes. Key Responsibilities: Lead the risk management framework for first line...