Citizens · 4 months ago
Head of Unsecured Credit
One Citizens Bank Way, Johnston, RI, 02919, US
Full-time
Hybrid
Senior Level, Lead/Staff
$175K/yr - $250K/yr
10+ years expCitizens is a financial services company seeking a Head of Unsecured Credit to lead a team focused on strategic initiatives within the unsecured lending portfolio. This role involves leadership, innovation in analytics, and collaboration to enhance business performance and support executive decision-making.
BankingCredit CardsFinancial ServicesFinTechRetail
Responsibilities
Managing and mentoring a team of credit professionals, fostering a culture of accountability, development, innovation, and continuous improvement
Developing and implementing strategies for unsecured credit that align with business objectives and risk appetite, focusing on growth, profitability and deepening relationships with our customers while monitoring performance trends and adjusting strategies to optimize outcomes
Creating and managing a testing agenda to evaluate new approaches, tools, and models that advance the state of the business along with championing innovation in credit analytics and decisioning frameworks
Applying high-level analytical thinking to identify problems, structure them mathematically, and determine the most effective techniques and data sources for resolution
Representing business challenges using appropriate mathematical models and frameworks, ensuring analytical rigor and relevance
Improving analytical methodologies and tools used to assess credit risk and portfolio performance
Translating analytical strategies into operationally executable plans, considering system deployment, marketing alignment, and financial goals, while ensuring that solutions are not only analytically sound but also practically implementable across connected systems and business functions
Working closely with product teams (P&Ls) and second line risk to ensure alignment and execution of initiatives
Providing regular updates to executive management on performance, strategic initiatives, and emerging risks
Delivering clear, actionable insights that support enterprise-level decision-making
Facilitating collaboration across departments to drive strategic outcomes
Qualification
Required
Bachelor's Degree
10 years of experience in banking/financial services and credit risk management, with deep expertise in consumer credit, credit policy, and quantitative analysis
Proven leadership in managing teams and driving strategic initiatives
Strong analytical and conceptual problem-solving skills
Strong understanding of mathematical modeling, data structuring, and operational implications
Experience partnering across product and risk functions
Comfort presenting to executive audiences and influencing without authority
Benefits
Comprehensive medical, dental and vision coverage
Retirement benefits
Maternity/paternity leave
Flexible work arrangements
Education reimbursement
Wellness programs
Citizens’ paid time off policy
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
Recent News
2026-01-22
Talk Business & Politics
2026-01-19
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