Personal Loans General Manager

Citizens Financial Group•Johnston, RI

13h•Hybrid

About The Position

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.

Requirements

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

Responsibilities

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