Citizens is seeking a strategic and execution-oriented Director, Retail Deposits Growth & Sales Strategy to lead retail deposit growth initiatives across branch and assisted channels. This leader will be responsible for driving checking and savings acquisition, deposit balance growth, household expansion, customer engagement, relationship deepening, and sales effectiveness across the retail distribution network.
The role partners extensively with Distribution, Sales Enablement, Product, Marketing, Digital, Technology, Analytics, Operations, Learning & Development, Finance, Risk, and Small Business teams to deliver measurable customer, sales, and financial outcomes.
Locations & Work Arrangement: Remote is not an option, candidates must be willing to commute to one of the following hub locations with a hybrid schedule of 4 days onsite and 1 day remote per week with flexibility in one of our office locations.
Key Responsibilities
Retail Deposits Growth Strategy
- Develop and execute retail deposit growth strategies focused on checking and savings acquisition, balance growth, and household expansion.
- Translate enterprise household-growth objectives into market-specific strategies, sales goals, and execution plans.
- Partner with Distribution leadership to align enterprise priorities with frontline execution.
- Develop market-specific growth plans based on customer opportunity, competitive landscape, and channel performance.
- Balance local market flexibility with enterprise standards, customer experience, and financial objectives.
Sales Performance & Productivity Management
- Establish sales performance metrics, accountability frameworks, and productivity measures.
- Monitor branch, market, channel, and individual performance to identify growth opportunities and performance gaps.
- Analyze sales drivers, execution risks, and barriers impacting business performance.
- Design operating routines, coaching processes, and performance improvement initiatives.
- Ensure performance measures support responsible growth, customer value, and risk management objectives.
Retail Sales Execution
- Drive execution of sales strategies across branches and assisted sales channels.
- Implement market-specific sales approaches based on customer demand and distribution capacity.
- Partner with Sales Enablement and Learning & Development teams to enhance frontline capabilities, tools, and sales readiness.
- Influence incentive programs, campaigns, offers, and sales capability enhancements.
- Serve as a voice of the field by providing feedback to Product, Marketing, Digital, and Technology teams.
Lead Management & Assisted Channel Growth
- Improve lead generation, referral management, lead routing, prioritization, follow-up, and conversion effectiveness.
- Partner with Digital teams to optimize digital-to-assisted customer journeys and sales conversions.
- Advance CRM, lead management, next-best-action, and workflow capabilities.
- Improve customer and colleague experiences by reducing process friction and enhancing sales interactions.
- Establish KPIs for lead quality, conversion rates, speed-to-contact, customer outcomes, and relationship growth.
Analytics & Executive Reporting
- Utilize data analytics and financial analysis to identify opportunities and prioritize initiatives.
- Partner with Finance and Analytics teams to forecast business outcomes and measure strategy effectiveness.
- Develop executive presentations, business cases, recommendations, and strategic roadmaps.
- Establish governance frameworks and operating rhythms with business stakeholders.
Leadership
- Lead through influence across matrixed organizations and stakeholder groups.
- Develop and mentor talent while fostering a performance-driven and customer-centric culture.
- Operate effectively within a regulated banking environment while ensuring compliance, risk management, and control adherence.
Required Qualifications
- Bachelor's degree or equivalent combination of education and relevant experience.
- 10+ years of progressive experience in one or more of the following:
- Retail Banking
- Consumer Deposits
- Sales Leadership
- Distribution Strategy
- Growth Strategy
- Product Management
- Marketing
- Direct experience managing consumer deposit products, including any of the following:
- Checking Accounts
- Savings Accounts
- Deposit Acquisition
- Balance Growth
- Household Deepening
- Experience integrating branch, contact center, and digital customer journeys.
- Strong analytical, financial, written, verbal, and executive communication skills.
- Proven ability to influence senior stakeholders within large, matrixed organizations.
- Leadership experience within regulated financial services environments.
Preferred Qualifications
- MBA or other advanced business degree.
- Experience leading growth initiatives within large retail banking organizations.
- Experience supporting branch network optimization and sales transformation efforts.
- Expertise in assisted-channel growth strategies and customer journey optimization.
- Experience partnering across Product, Marketing, Digital, Analytics, Operations, Finance, and Risk functions.
Pay Transparency
Hours & Work Schedule
- Hours per Week: 40
- Work Schedule: Monday - Friday
- Hybrid: 4 days per week onsite and 1 day remote
Pay Transparency
The salary range for this position is $221,000 - $271,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience. 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 Explore Benefits That Support You and Your Career at Citizens
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
Job Applicant Data Privacy Policy
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.
Skills Required
- Bachelor's degree or equivalent combination of education and relevant experience
- 10+ years of progressive experience in retail banking, consumer deposits, sales leadership, distribution strategy, growth strategy, product management, or marketing
- Direct experience managing consumer deposit products, including checking accounts, savings accounts, deposit acquisition, balance growth, or household deepening
- Experience integrating branch, contact center, and digital customer journeys
- Strong analytical, financial, written, verbal, and executive communication skills
- Proven ability to influence senior stakeholders within large, matrixed organizations
- Leadership experience within regulated financial services environments
- MBA or other advanced business degree
- Experience leading growth initiatives within large retail banking organizations
- Experience supporting branch network optimization and sales transformation efforts
- Expertise in assisted-channel growth strategies and customer journey optimization
- Experience partnering across Product, Marketing, Digital, Analytics, Operations, Finance, and Risk functions
Citizens Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Citizens and has not been reviewed or approved by Citizens.
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Parental & Family Support — Policies include six weeks of fully paid parental leave for all parents, up to 16 weeks for birthing parents, 10 days of emergency back‑up care, and adoption assistance of more than $25,000. Recognition for adoption support underscores a strong family‑friendly posture.
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Leave & Time Off Breadth — Time off includes 11 paid holidays and up to 27 PTO days. The breadth of leave is presented as generous versus many peers.
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Healthcare Strength — Medical, dental, and vision options pair with an HSA that includes a company contribution, plus mental‑health access via Spring Health (eight no‑cost sessions), Hinge Health, wellness programs, and discounted gyms. Eligibility at 20+ hours per week broadens access to these resources.
Citizens Insights
What We Do
As one of the oldest and largest financial services firms in the United States with a history dating back to 1828, we’re committed to providing solutions and expertise that support our customers, clients, colleagues, and communities in what’s next on their own unique journey. We invest in the humans who build the logic, ideas, and innovations that bring new technologies to life. Investments in AI, cloud computing, machine learning and automation provide our engineers the tools that enable us to remain competitive and win in today’s environment. At Citizens, we recognize that the journey to accomplishment is no longer linear and that individuals are made of all they have done and all they are going to do. Whether you’re considering banking with us or looking to work with us, you’ll find a customer-centric culture and a supportive, collaborative workforce at Citizens. You’re made ready and so are we. If you're ready to advance your career in technology and security, learn more about opportunity's Citizens offers here: https://jobs.citizensbank.com/digital-transformation
Why Work With Us
We empower the colleagues that power our tech. With growth & upskilling opportunities and sought-after benefits, plus a diverse culture of people and perspectives, we help our colleagues achieve career goals. Because innovation can’t happen without the minds and hearts of our people. Technology is constantly evolving, and we believe you can too.
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