Head of Transformation, Horizontal Strategy and AI Enablement

Citizens•Westwood, MA

5d•$251,000 - $316,000

About The Position

This critical role leads business transformation, horizontal strategy, AI enablement, cross-functional execution, and external partnerships for Consumer Credit Management and Decision Sciences (CR&DS). The role translates business priorities into transformation initiatives and measurable outcomes, with accountability for prioritizing AI use cases, driving adoption, and realizing value. It partners with Enterprise Data and Analytics (ED&A) and Technology to leverage enterprise data, platforms, and technical capabilities, and serves as a strategic advisor to the Head of CR&DS to drive innovation and operational excellence. The position owns the business AI and advanced analytics portfolio across Credit Management and Decision Sciences, including use-case strategy, prioritization, sponsorship, adoption, and value realization. It leads integration and scaling of GenAI, predictive models, and decisioning capabilities in business processes, using enterprise platforms, data assets, and capabilities provided by ED&A. It also supports the Head of Credit Management and Decision Sciences in defining priorities, translating strategy into execution plans, tracking progress, and reporting to senior management and executive leadership. The work schedule is 40 hours per week, Monday through Friday. The salary range is $251,000–$316,000 per year, with an opportunity to earn an annual discretionary bonus. The employer offers competitive pay, medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs, and paid time off. Employment offers are conditioned on successfully passing a background check.

Responsibilities

Lead horizontal strategies across Credit Management and Decision Sciences, including Credit Abuse, Risk Appetite frameworks and models, Loss Forecasting, and other enterprise-wide risk initiatives.
Partner with cross-functional teams, including ED&A, to define business requirements for AI solutions, evaluate external vendors, and identify strategic data sources.
Provide business execution leadership for critical cross-functional products and strategic priorities, including PCO (Power Curve) initiatives.
Own business requirements, prioritization, implementation readiness, and adoption for strategic products and initiatives; partner with Technology and ED&A on model platform capabilities and technical delivery.
Manage GCC relationships and governance, including operating model effectiveness, talent strategy, workforce planning, and execution oversight.
Own the business AI and advanced analytics portfolio across Credit Management and Decision Sciences, driving use-case strategy, prioritization, sponsorship, adoption, and value realization.
Lead the integration and scaling of GenAI, predictive models, and decisioning capabilities within business processes, leveraging enterprise platforms, data assets, and ED&A capabilities.
Own business prioritization of Reimagine-the-Bank (RTB) initiatives to transform credit management and decision sciences processes, ensuring operational excellence and effective collaboration across business and functional teams.
Own enterprise bureau relationships, including strategic engagement, partnership management, governance, and optimization of bureau-enabled capabilities, working closely with the sourcing team.
Serve as the primary Credit Management and Decision Sciences representative in engagement with enterprise partners, ensuring alignment, collaboration, and effective execution across functions.
Support the Head of Credit Management and Decision Sciences in defining strategic priorities, translating strategy into execution plans, tracking progress, and providing updates to senior management and executive leadership.