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Credit Risk Sr Manager - Unsecured, DDA/ODLOC


Westwood, Massachusetts; Boston, Massachusetts; Johnston, Rhode Island; Charlotte, North Carolina; Wilmington, Delaware


The Head of Unsecured, DDA/ODLOC Credit Risk will be responsible for Credit Risk Management of Citizens Unsecured Lending (Cards and Citizens Pays Pay), DDA and Overdraft Lines.  The role reports to the Head of Consumer Credit Risk Management and Pricing. Will manage a team of credit and analytical colleagues that are responsible for all aspects of credit risk of Citizens BankCard and Citizens Pay (“Cpay”) portfolios including acquisitions, account management and collections oversight. The successful candidate will have deep subject matter experience in designing credit acquisition and account management strategies for Citizens Unsecured portfolios.  

Primary responsibilities include:

  • Retail Bank Card and Cpay credit cycle management
  • DDA and ODLOC credit risk management
  • Credit processing Transformation
  • Develops procedures for performance of a variety of duties or performs complex duties within established policy guidelines.
  • Responsible for a defined set of assignments, e.g., all financial activities for the department; is expected to determine and create necessary procedures to set priorities and meet specific goals and objectives of the function.


  • 10 + years of consumer credit risk management for Unsecured Products with extensive experience in the Credit Cards and BNPL product set
  • Prior experience working with regulators (OCC) with examination preparation, support and findings remediation is critical. 
  • Experience with all three US credit bureau providers is a must.
  • Use of credit scoring models for acquisition, account management and collections are required. 
  • Understanding of direct mail strategies related to customer acquisition is required. 

Preferred Qualifications:

  • Knowledge of Money In (DDA) is strongly.
  • FinTech experience 
  • Understanding of Risk Base Pricing is 
  • Understanding of market leading credit tools such as those offered by FICO (Triad), Equifax (Ignite) and Experian (PowerCurve and Ascend) is strongly. 


  • Bachelor’s or Master’s degree in Statistics or Data Science required.
  • PhD in Statistics preferred.

Hours & Work Schedule: 3 days in the office/2 remote

  • Hours per Week: 40
  • Work Schedule: Monday-Friday

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

At Citizens we value diversity, equity and inclusion, and treat everyone with respect and professionalism. 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.


We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more.

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Awards We've Received


Disability Equality Index Best Places to Work for People with Disabilities


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Human Rights Campaign Corporate Equality Index 100 Award


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Age-Friendly Institute's Certified Age-Friendly Employer


Bloomberg Gender Equality Index, Standout


Dave Thomas Foundation’s Best Adoption-Friendly Workplace


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