Description T he Head of Home Equity will be responsible for developing and driving the strategic plan for the entire Home Equity division. This P&L leader will create and implement performance objectives, service standards, goals and objectives, and procedures, ensuring that all financial and compliance standards are met while delivering best in class products and services. As the Head of Home Equity, you will plan, implement, and execute the strategy of the Home Equity segment in line with the organizational objectives within the Consumer Bank. From these objectives, you will develop short- and long-term goals that continue to build on Citizens' position as one of the top Home Equity originators in the United States. You will be responsible for the overall execution of the strategic plan and the ultimate profitability and development of the line of business. You will participate in long range growth planning across the enterprise including involvement within market, regional, and overall strategy and growth plans. The Head of Home Equity will work in tandem with the Consumer Lending leadership team and senior management to ensure consistency across sales, products, and client experience. You will own the innovation agenda and lead a team responsible for driving increased business development, revenue, and customer experience. To achieve these goals, you will analyze performance, distribution strategies, and financial and operating statements, as well as champion for employee engagement by identifying, recruiting, onboarding, and retaining top talent. Job responsibilities:
- Drives innovation and continued progress in experience modernization necessary to maintain industry-leading NPS and cycle times.
- Effectively manages pricing, credit risk, and operating costs to drive achievement of portfolio growth return targets.
- Collaborates across enterprise stakeholders in Retail, Marketing, ED&A, and Operations to deliver sales and retention targets.
- Maintains high standards for colleague engagement and credo-driven culture to ensure continued acquisition and retention of top talent.
- Ensures adherence to all legal and regulatory standards and sets a high bar for business controls, disciplined decision-making, and quality.
Qualifications:
- 10+ years of consumer lending experience, preferably including experience in property-secured residential lending.
- 5+ years of experience in P&L management, preferably within a consumer lending business line
- Extensive experience in leading a large, multi-function operations center with orchestration of complex processes (call center, underwriting, etc)
- Demonstrated success in driving innovation in financial services with a focus on technology, analytics, and agile delivery.
- Strong customer-focused approach to business with high standards for delivering a frictionless experience.
- Track record of driving results in a large matrixed organization, requiring collaboration across multiple channels and functional areas
Qualifications, Education, Certifications and/or Other Professional Credentials
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Equal Employment Opportunity At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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. Equal Employment and Opportunity Employer Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.
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.