Unsecured Lending Strategy Associate

Citizens is seeking a Strategy Associate to support the Unsecured Lending business within the Unsecured Lending Business Performance & Strategic Planning team.

This role partners directly with the Head of Strategic Planning & Business Performance and the Unsecured Lending leadership team to drive business prioritization, strategic planning, and performance management. The Strategy Associate will play a hands‑on role in shaping near‑term decisions and longer‑term strategy by providing structured analysis, executive‑ready insights, and clear strategic recommendations.

This is a high‑visibility role with regular interaction with senior leaders and broad exposure across Consumer, Risk, Finance, Analytics, Technology, and Enterprise Strategy teams. This position is well‑suited for high-performing individuals looking to deepen their strategic skillset, build subject matter expertise in a lending product line, directly contribute to the transformation of a strategic business, while expanding executive exposure.

Key Responsibilities

Strategic Planning & Performance

• Support quarterly and annual prioritization and strategic planning routines for the Unsecured Lending business
• Assist in the development and maintenance of multi‑year strategic roadmaps aligned to business objectives and investment priorities
• Deliver and maintain a comprehensive view of business performance, translating financial and operational results into insights and actions

Business & Portfolio Strategy

• Analyze market trends, customer behavior, and competitive dynamics to identify growth opportunities and optimize portfolio performance
• Partner with Unsecured Lending leadership to diagnose issues, evaluate options, and develop strategies that drive profitable growth
• Conduct focused analyses across products, channels, customer segments, and pricing to inform decision‑making

Executive Communication

• Own the development and facilitation of executive‑level presentations, including monthly strategy and performance updates
• Synthesize complex analysis into clear, concise materials for senior management and, as needed, the Board

Strategic Initiatives

• Lead or support cross‑functional strategic initiatives spanning multiple functions or business units
• Drive structured problem‑solving on high‑priority, ambiguous topics
• Support ad‑hoc strategic projects as assigned

Enterprise Collaboration

• Work closely with Product, Credit Risk, Enterprise Strategy, and Finance partners as needed
• Contribute to business line strategy efforts with a focus on driving outcomes through ideation, effective challenge, and data-driven insights

Qualifications

Required Skills & Experience

• 2–5 years of relevant experience in strategy, management consulting, corporate development, analytics, fintech, or product roles
• Strong PowerPoint and Excel skills with the ability to independently build executive‑ready materials
• Demonstrated ability to apply structured thinking and quantitative analysis to complex business problems
• Strong written and verbal communication skills with confidence engaging senior leaders
• Ability to manage multiple workstreams in a fast‑paced environment
• Self‑starter with intellectual curiosity, strong judgment, and a bias toward action
• Proven ability to collaborate and influence across functions

Education

• Bachelor’s Degree required

Hours and Work Schedule

Hours per Week: 40

Work Schedule - Monday-Friday - 4 days in office

Please note that U.S. Immigration sponsorship or work visa is not available for this position and candidates must have permanent authorization to work in the U.S.

The salary range for this position is $78,000 - $108,000 per year. Actual pay is based on various factors including but not limited to the 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 .