Citizens Financial Group, Inc

Personal Loans General Manager

Citizens Financial Group, Inc • $210K — $250K *
Newark, DE 19713In-Person
Finance & Insurance
5 - 7 years of experience
1 month ago
Job Overview by Ladders

Qualifications

  • Proven experience in launching and scaling consumer lending products within a regulated financial institution.
  • Strong understanding and management of end-to-end personal loan product life cycle.
  • Critical background in consumer lending product management with full lifecycle accountability.
  • Experience in P&L ownership and performance analysis across pricing and profitability.
  • Deep knowledge of consumer credit underwriting and portfolio risk management.
  • Proven ability to balance growth objectives with credit quality and compliance requirements.
  • Expertise in defining and tracking performance metrics related to acquisition and profitability.

Responsibilities

  • Establish and communicate a clear vision and roadmap for the Personal Loan product suite.
  • Own value proposition, pricing, and features of the personal loan product to ensure competitive positioning.
  • Drive end-to-end product lifecycle management and ensure performance and risk monitoring.
  • Define and monitor key performance metrics with P&L accountability.
  • Maintain strong governance and disciplined execution in daily management.
  • Collaborate across teams with a customer-first mindset and lead initiatives from strategy to execution.

Benefits

  • Comprehensive medical, dental, and vision coverage.
  • Retirement benefits and flexible work arrangements.
  • Maternity/paternity leave and education reimbursement.
  • Wellness programs and generous paid time off policy.
Full Job Description
Job Description

This role will serve as the Product Growth Leader for the Consumer Personal Loan business, accountable for defining and managing product strategy, value proposition, and performance. Leader will ensure the portfolio drives profitable growth, aligns with enterprise objectives, and meets customer needs through product experience and disciplined business management. This position will be responsible for successful P&L management and related business analysis, sales support, marketing support, and product management activities.

Primary responsibilities include
  • Establish and communicate a clear vision and roadmap for the Personal Loan product suite, identifying opportunities for CX enhancement and competitive differentiation.
  • Own the Personal loan product value proposition, structure, pricing, and features to ensure competitive positioning and alignment to customer need, demand. Develop and execute go-to-market plans in partnership with Delivery & Transformation and Marketing teams.
  • Drive end-to-end product lifecycle management from opening through servicing, and ensuring proper management and monitoring of performance, experience, and risk and control environment
  • Define and monitor key performance metrics. P&L accountability including pricing, profitability, risk and volume management
  • Ensure strong governance and disciplined execution in day-to-day management
  • Proven collaborative leader with a strong customer-first mindset and experience managing initiatives from strategy through execution


Qualifications
  • Proven experience launching, and scaling a consumer lending product, preferably unsecured personal loans, within a regulated financial institution
  • Demonstrated ability to stand up and lead an end-to-end personal loan product, from strategy and design through growth, servicing, and optimization
  • Strong background in consumer lending product management, with full lifecycle ownership and accountability
  • Experience with P&L ownership, including pricing, profitability, volume management, and performance analysis
  • Deep understanding of consumer credit underwriting, pricing, and portfolio risk management
  • Proven success balancing profitable growth objectives with credit quality, compliance, and risk discipline
  • Working knowledge of consumer banking regulations (e.g., UDAAP, ECOA, FCRA, CFPB expectations)
  • Expertise defining, tracking, and acting on key performance metrics across acquisition, experience, risk, and profitability
  • Strong analytical orientation with experience leveraging data, dashboards, and test-and-learn approaches
  • Proven collaborative leader with experience managing cross-functional teams and communicating strategy and performance to senior leadership

Education:
  • Bachelor's degree required
  • Masters Degree preferred

Hours & Work Schedule
  • Hours per Week: 40
  • Work Schedule: Monday through Friday


Pay Transparency
  • The salary range for this position is $210,000 - $250,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the 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 .


About Citizens Financial Group, Inc

Citizens Bank is a financial service company. It provides outstanding local and personalized service. It offers a full range of commercial, real estate, and consumer lending. It is specialized in personal and small business deposit services, electronic services.

Citizens Financial Group, Inc. Careers

Join the dynamic team at Citizens Financial Group, Inc., a leading financial institution where your career aspirations can soar. We are committed to fostering a culture of innovation, leadership, and diversity that supports our employees' professional growth and development.

Explore Job Opportunities

At Citizens Financial Group, Inc., we offer a wide range of job opportunities that cater to diverse skill sets and career interests. Whether you're a seasoned professional or just starting out, you'll find a position that challenges you and enhances your expertise.

Internship Programs

Kickstart your career with our internship programs designed to give you a hands-on experience in the financial sector. Our internships provide a robust platform to develop your skills, engage in meaningful projects, and network with industry leaders.

Employment Benefits

Choosing a career with Citizens Financial Group, Inc. means opting for a comprehensive package of benefits. We believe in supporting our team members not only in their professional lives but also in their personal growth and well-being.

Inclusive Culture and Diversity Training

We pride ourselves on a workplace culture that embraces diversity and inclusivity. Regular diversity training ensures that our team members appreciate and leverage the unique backgrounds and perspectives that each individual brings to the company.

Professional Growth and Leadership Development

Continuous learning is at the core of our professional development agenda. With access to leadership development programs and tailored training, you can advance your career and leadership skills at Citizens Financial Group, Inc.

Innovation at Work

Innovation is key to staying competitive in the financial industry. At Citizens Financial Group, Inc., you’ll work alongside talented professionals who are pushing the boundaries of what’s possible in financial services.

Networking and Career Advancement

Our company not only provides job opportunities but also fosters an environment where networking and professional connections flourish. This supportive network is vital for career advancement and personal growth within the industry.

Join Our Team

Are you ready to take the next step in your career? Explore the open positions at Citizens Financial Group, Inc. and find where your skills and passions align with our needs. We are continuously hiring and looking for new talents to join our robust team.

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Prepare for Your Interview

Make a great first impression. Prepare for your interview with us by researching our company culture, reviewing your resume, and coming ready to discuss how your experience and skills align with the position you are applying for. At Citizens Financial Group, Inc., we are more than just a financial institution; we are a place where you can make a difference. Join us and transform your career with a company that values your unique talents and aspirations.
Learn more about Citizens Financial Group, Inc
Size
17,463 employees
Market Cap
$19.3 billion
Industry
Finance & Insurance
Net Income
$1 billion
Founded
1828
5 Year Trend
+2.6%
NASDAQ
CFG
* Ladders Estimates

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