Consumer & Business Banking Credit Execution Director

The Consumer and Business Banking Credit Execution Director provides leadership across the development, refinement, and execution of acquisition credit strategies for Consumer and Business Banking portfolios. The role will help translate business objectives and risk appetite into actionable credit policies, decision strategies, and implementation priorities, strengthening the connection between strategy design and production execution. The leader will work across credit strategy, policy, analytics, and implementation activities as business priorities and organizational needs evolve. This position partners closely with Product, Finance, Marketing, Technology, Operations, Data and Analytics, Compliance, Legal, Model Risk, and other Credit Risk leaders to ensure strategies are analytically sound, operationally executable, well controlled, and aligned with portfolio objectives.

 Primary responsibilities include

• Lead the development and execution of credit strategies across Consumer and Small Business portfolios, balancing growth, risk, customer experience, and return objectives.
• Translate risk appetite and business priorities into clear credit policies, decision strategies, requirements, and execution roadmaps.
• Provide leadership across acquisition credit strategy, policy, and execution activities as business priorities and portfolio needs evolve.
• Support effective prioritization and coordination across the capabilities responsible for implementing and delivering credit strategies.
• Ensure effective connectivity from strategy design through requirements, testing, implementation, production validation, and ongoing performance monitoring.
• Establish clear governance, decision rights, controls, and performance measures for credit strategy execution, including transparent prioritization and escalation of risks and dependencies.
• Evaluate portfolio performance, emerging risks, market conditions, and business opportunities to recommend timely adjustments to credit strategies and policies.
• Partner with cross-functional stakeholders to align credit strategy with product plans, financial objectives, technology capacity, operational readiness, and regulatory expectations.
• Strengthen execution capabilities through improved processes, tools, analytics, talent development, and disciplined change management.
• Provide clear, concise updates and recommendations to senior leadership on strategy performance, execution readiness, key risks, tradeoffs, and required decisions.

Qualifications, Education, Certifications and/or Other Professional Credentials

• Required Qualifications
  • Bachelor’s degree in Business, Finance, Economics, Statistics, Mathematics, Data Science, or a related discipline; an equivalent combination of education and relevant experience may be considered.
  • 7+ years of progressive experience in consumer and/or small business lending, credit risk strategy, credit policy, underwriting, portfolio management, or a related discipline.
  • Demonstrated ability to develop and execute credit strategies that balance risk, growth, profitability, customer, and operational considerations.
  • Experience translating strategic intent into executable policies, decision requirements, implementation plans, and measurable business outcomes.
  • Strong understanding of credit decisioning, underwriting, portfolio performance, strategy implementation, and the associated control and governance environment.
  • Experience leading teams and influencing cross-functional partners through complex priorities, organizational change, and delivery dependencies.
  • Strong analytical judgment and executive communication skills, with the ability to frame issues, tradeoffs, recommendations, and decisions clearly for senior leaders.
  • Working knowledge of applicable consumer and small business lending regulations and internal risk management standards.
• Preferred Qualifications
  • Advanced degree such as an MBA or a Master’s in Finance, Economics, Analytics, or a related field.
  • Experience across multiple Consumer and Small Business products and credit lifecycle activities.
  • Experience developing and executing acquisition credit strategies, underwriting approaches, or comparable front-end credit decisioning capabilities.
  • Experience supporting credit strategy implementation, decisioning delivery, or related capability enhancement initiatives.
  • Experience supporting governance, audit, model risk, compliance, or regulatory review activities related to credit strategy and execution.

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: Monday-Friday
• Hybrid: 4 days per week on-site, 1 day remote

Pay Transparency

The salary range for this position is $173,000 - $215,000 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 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.