Consumer Credit Risk Senior Director

As the Consumer Credit Risk Senior Director, you will be responsible for oversight of Citizens' total leveraged exposure including maintaining a framework and leveraged lending limits to track, manage and monitor this asset class. You will identify key risks and proactively guide the development of protective and balanced credit structures with a knowledge of current market conditions are key components of the job. You will be making decisions quickly on each credit and communicating your rationale clearly are also critical in the role.

Primary responsibilities include

• Approving credit within CAF authorities, guidance on structuring, problem loan identification direct and monitor early stage actions plans.

• Credit policy and procedure development, implementation, training & maintenance, "Business partnering” with assigned line lending units – proactive constructive cultural integration and coordination.
• Direct and manage portfolio activities of credit officers within region. coordinate and facilitate activities with credit officers, portfolio risk management, credit Review, Special assets, internal audit, corporate risk management and others.
• Attend all regulatory meetings and preparing portfolio presentations as requested.
• Participate in community related activities and exemplify the Credo in all activities.

Qualifications, Education, Certifications and/or Other Professional Credentials

Required Qualifications

Required Qualifications

• Bachelor’s degree; Masters preferred
• 10 years’ relevant experience in consumer credit management
• Detailed understanding of credit scoring models
• Deep skillset in quantitative methods for credit risk
• Loss forecasting experience
• Superior verbal and written communication skills

Preferred Qualifications

• Experience in design and development of complex underwriting systems
• Proven track record in managing risk in growth portfolios
• Ability to influence outcomes in a broad organizational structure where diverse stakeholders have interests in outcomes

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: M-F

Pay Transparency 

The salary range for this position is $216,000– $262,000 per year, plus an opportunity to earn additional incentive earnings (if applicable). Actual pay is based on various factors including, but not limited to, the budget, work location, and relevant skills and experience. No other portions of the posting are changing, including benefits language or incentive guidance (e.g., Teller roles should continue to remove incentive language as noted). ‌‌

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 .

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.

Equal Employment and Opportunity Employer

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Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.