Finance Sr. Manager - Credit Card and Consumer Lending

Citizens Financial Group•Newark, DE

2d•Hybrid

About The Position

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).

Requirements

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.
Undergraduate degree in Finance, Accounting, Economics, Business Management or related field required.

Nice To Haves

Master’s degree or other financial certifications preferred (MBA, CFA, CPA).

Responsibilities

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.