As an employee of Citizens Bank you become part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Bank is an established and successful financial services company with national presence and the ability to conduct business globally. We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.
Citizens Consumer Deposit and Lending's mission has long been delivering the simplest, fastest, most hassle-free banking experience in the U.S.
Citizens is a leader in the Point of Sale market and is experiencing rapid growth, partnering with leaders including Apple, Microsoft, Amazon, and ADT. This role will be responsible for architecting and building our point of sale product set to deliver on the next phase of growth for the business. This will enable strategies that power our merchant partners' sales and loyalty with their customer base while providing them with a comprehensive capability that enables omni-channel point of sale experiences. It will also enable Citizens to build direct to consumer payment products that deepen relationships with Citizens' customers acquired through multiple channels.
Key responsibilities for this role include:
Architect, manage, and optimize our core line of credit and installment lending platform to ensure it is leveraged in a common and scalable way across partners; continuously improve platform effectiveness and efficiencies across all modules, identifying opportunities to improve customer experience, cost, and control
Oversee product capabilities and modules, including hosted applications, interfaces and APIs, virtual card and ACH settlement and payment processes, digital servicing, credit engine, and communications capabilities
Identify gaps in platform and solutions to fill gaps and opportunities to drive further differentiation in the platform, through either internal development or partnership with FinTechs/partners
Solution with merchants to identify product(s), configurations and capabilities to bring to bear for specific partner needs while leveraging core components of the platform
Lead end-to-end development of new consumer installment lending/payments value proposition linked to merchant point of sale experience, allowing Citizens to build primary relationships with national customer base
Oversee execution of projects and BAU maintenance of platform; this will require partnering with change management function for prioritization and then owning execution through project management by directing internal engineering and digital teams and overseeing development and configuration changes by vendors.
Manage portfolio of point of sale financing programs to optimize returns, and manage risk to achieve financial targets and commitments. Work with Strategy and Analytics team to structure pricing terms for each program and opportunity. Manage execution of pricing structures in platform and product configuration.
Open to discussing other locations.
Strong "technologist" mindset and technical understanding of lending, payment and authorization models, APIs/interface design, communications, and digital servicing technologies
Experience leading product/platform management in a modern operating model work in agile ways, direct pod of cross-functional resources around execution, maniacal focus on customer-based design
Strong external orientation with passion for new technologies and solutions
Ability to quickly translate business and partner needs into solutions and ultimately detailed product design requirements to provide to engineering teams for development
Ability to travel for meeting new partners to support in product and technical solution/sales
Bachelor's Degree or equivalent experience required, MBA preferred.
Hours and Work Schedule
Hours per Week: 40
Work Schedule: M-F 8-5
Why Work for Us
At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth.
Equal Employment Opportunity
It is the policy of Citizens Bank to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status, marital or domestic partner status, or any other category protected by federal, state and/or local laws.
Equal Employment and Opportunity Employer/Disabled/Veteran
Citizens Financial Group, Inc.