Citizens · 4 months ago
Private Bank Consumer Credit Risk and PM Lead
101 California St, San Francisco, CA, 94111, US
Full-time
Hybrid
Senior Level
$170K/yr - $225K/yr
7+ years expCitizens is expanding its Private Bank and is seeking a Private Bank Consumer Credit Risk and PM Lead to enhance its consumer loan portfolio risk management. This role involves developing and leading credit risk strategies, overseeing policy creation, and collaborating with business leadership to address risk concerns and achieve portfolio objectives.
BankingCredit CardsFinancial ServicesFinTechRetail
Responsibilities
Develop & lead portfolio credit risk strategy and execution and provide end-to-end portfolio risk management services contributing to financial results
Lead staff in establishing risk management procedures and standards, developing risk management analyses and reports, developing approval procedures and guidelines on risk limits by type of product and / or transaction, and in establishing management and administrative procedures to ensure adherence to policies
Serve as a point of escalation for key issues or time sensitive decisions
Leverage shared functions & centers of excellence to support portfolios ensuring soundness & implementation of credit and collections policies in partnership with shared collections function, Appropriate risk appetite for portfolios leveraging shared function expertise, governance & controls oversight and Successful execution of risk systems for business
Manage new and existing contract negotiations, leveraging Sourcing teams
Partner with Advanced Analytics COE on new tools, machine learning and alternate data
Monitor emerging risks from changes in economic, regulatory, consumer, competitor or political environments and assess and address the potential impacts to the business
Qualification
Required
7+ years in first line risk management with at least 3 of those years in leadership of process/policy design and development/execution of consumer lending risk strategy
Bachelors degree in Finance or related field required
Preferred
Strong proficiency in the following areas is preferred: private bank industry insight, critical thinking, leadership, compliance management, credit portfolio management, risk management framework, learning agility, client-centricity, persistence and tenacity
Excellent communication and interpersonal skills, attention to detail and consistent follow up are preferred to contribute to strong collaborative partnerships with stakeholders
Benefits
Comprehensive medical, dental and vision coverage
Retirement benefits
Maternity/paternity leave
Flexible work arrangements
Education reimbursement
Wellness programs
Paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States
Company
Citizens
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.
10001+ employees
H1B Sponsorship
Citizens has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2020 (1)
Funding
Current Stage
Public CompanyTotal Funding
$2B2025-02-26Post Ipo Debt· $750M
2024-07-09Post Ipo Debt· $1.25B
2014-09-23IPO
Leadership Team
Melisa Carrascoza
SVP, Business Banking Market Executive - New England South
Steve Kozek
Head of Commercial Excellence, Senior Vice President
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