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

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.