Consumer Credit Risk Senior Director

About the role

As the Consumer Credit Risk Senior Director, you will oversee Citizens' total leveraged exposure, including maintaining a framework and leveraged lending limits to track, manage, and monitor this asset class. You will identify key risks and proactively guide the development of protective and balanced credit structures with knowledge of current market conditions. Quick decision-making on each credit and clear communication of your rationale are critical in this role.

Responsibilities

• Approve credit within CAF authorities and provide guidance on structuring.
• Identify problem loans and direct/monitor early-stage action plans.
• Develop, implement, train, and maintain credit policies and procedures.
• Engage in "business partnering" with assigned line lending units—proactively fostering constructive cultural integration and coordination.
• Direct and manage portfolio activities of credit officers within the region.
• Coordinate and facilitate activities with credit officers, portfolio risk management, credit review, special assets, internal audit, corporate risk management, and others.
• Attend all regulatory meetings and prepare portfolio presentations as requested.
• Participate in community-related activities and exemplify the Credo in all actions.

Requirements

• Bachelor’s degree (Master’s preferred).
• 10 years’ relevant experience in consumer credit management.
• Detailed understanding of credit scoring models.
• Deep skillset in quantitative methods for credit risk.
• Loss forecasting experience.
• Superior verbal and written communication skills.

Preferred Qualifications

• Experience in design and development of complex underwriting systems.
• Proven track record in managing risk in growth portfolios.
• Ability to influence outcomes in a broad organizational structure with diverse stakeholders.

Pay

The salary range for this position is $216,000–$262,000 per year, plus an opportunity to earn additional incentive earnings (if applicable). Actual pay is based on various factors including, but not limited to, the budget, work location, and relevant skills and experience.

Schedule

Hours per Week: 40
Work Schedule: Monday–Friday

Benefits

• Competitive pay.
• Comprehensive medical, dental, and vision coverage.
• Retirement benefits.
• Maternity/paternity leave.
• Flexible work arrangements.
• Education reimbursement.
• Wellness programs.
• Paid time off policy exceeding mandatory local and state requirements.