Finance Sr. Manager - Credit Card and Consumer Lending

You’re made ready to continue a fulfilling career with exciting new challenges and opportunities to stretch yourself. The Consumer Credit Card Finance organization serves as a trusted advisor for the Citizens Credit Card business, providing both strategic and tactical financial support. We are seeking a Sr. Finance Manager who will be a key member of the Consumer Credit Card Finance team, responsible for providing financial guidance to leaders and partners, and enhancing the financial tools, analyses, and processes we use to deliver the strategic priorities of the business. This role offers a chance to influence the growing Card business and finance processes at Citizens while advancing personal development within the organization. More importantly, while in this role you’ll feel valued for who you are and supported to achieve what’s important to you, personally and professionally!

This role will be based in Newark (DE), Philadelphia (PA), Iselin, (NJ) or Johnston (RI) and will be hybrid (4 days in office, 1 day working from home).

Specific responsibilities include:

• Oversee budgeting, forecasting, and financial analysis for the credit card division.
• Manage and monitor credit card financial performance metrics and KPIs.
• Collaborate with cross-functional teams to drive financial initiatives and support business growth.
• Provide insights and recommendations to senior management based on financial analysis 
• Analyze financial data, maintain, and create financial models to monitor and forecast Credit Card balances, net interest income and noninterest income.  
• Examine industry trends and potential impacts from the interest rate environment, macroeconomic factors, and internal business changes
• Evaluate past results, perform variance/attribution analyses, identify trends, and make recommendations for improvements
• Present and discuss actuals and forecasts with business unit leaders
• Support ad hoc analysis and business plans to justify and promote growth initiatives
• Providing tactical balance sheet support for the division:  
  • Manage and enhance the budget, forecast, and strategic plan process for Credit Card balance sheet and net interest income activity
  • Manage the balance sheet monthly close process, including estimation and communication of preliminary results

 Required Skills/Experience:

• Experience in finance. Credit Card (preferred) and/or Consumer Lending experience
• Strong analytical skills and proficiency in financial modeling
• Strong communication skills with a demonstrated ability to work effectively with internal colleagues and partners
• Proven track record of strategic thinking and problem-solving
• Demonstrated ability to think deeply and understand the big picture
• Experience operating in a dynamic, fast-paced, professional environment. Must have the ability to prioritize tasks and responsibilities needing to be accomplished, work independently, and organize resources in order to achieve desired results
• Strong financial analysis foundation creating projections and models
• Detail oriented, diligent, with strong organizational and analytical skills
• Understanding current events and issues in banking, especially the economic and interest rate environment.
• Strong Microsoft Excel, PowerPoint, and Word skills
• Proficiency with financial databases such as Oracle Hyperion Essbase/Smart View

Education, Certifications, and Other Professional Credentials: 

• Undergraduate degree in Finance, Accounting, Economics, Business Management or related field required
• Master’s degree or other financial certifications preferred (MBA, CFA, CPA)

Hours & Work Schedule:

Hours per Week: 40 Hours

Work Schedule: Monday through Friday

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Pay Transparency

‌The salary range for this position is $129,000-$169,000 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 .

Citizens will not sponsor an applicant for a work visa, such as an H-1B, for this position.

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.