Leading the way in Mortgage
Behind every great mortgage experience at Citizens is a team of dedicated leaders guiding our strategy, championing innovation, and supporting our people. Get to know the individuals who are shaping our culture, driving performance, and leading the way forward.
Raman Muralidharan
Head of Mortgage
Raman joined Citizens in September 2024 and brings extensive mortgage expertise and a strong customer-first, financial and operational mindset. He was formerly President and SVP of New Financial Products for Guaranteed Rate, where he led the company’s expansion into Home Equity. Prior to that role, Raman had an extensive career with HSBC where in held various leadership roles.
"We foster a culture of excellence, innovation, and collaboration. Our team is dedicated to delivering outstanding service and helping every client achieve their dream of homeownership."
Chace Gundlach
Head of Retail Mortgage Sales
Prior to joining Citizens in 2008, Chace was a Regional Manager at JPMorgan Chase for 18 years. He brings more than 30 years industry experience and oversees the Retail Mortgage Sales channel.
"Our mortgage sales culture is rooted in collaboration, respect and a shared drive to deliver for our customers - and each other."
Craig Lamp
Head of Mortgage Transformation, Product & Risk
Prior to joining the Mortgage business in 2023, Craig held dual leadership roles within Citizens, serving as the Head of Auto Finance and the Head of Credit Risk & Pricing Analytics for Consumer Lending. Craig has 20+ years of experience in product and risk management, pricing, credit risk, strategy and financial planning and analysis.
"We're driving change by blending innovation, risk discipline and product excellence to create a more agile and customer-focused mortgage business."
Mary Ann Callahan
Head of Mortgage Operations
Mary Ann joined Citizens in 2021 and has 35 years of consumer lending experience including 20 years of that in consumer operations. She previously held positions at Bank of America, PNC and JPMorgan Chase.
"Our operations team is the engine behind every home loan - driving efficiency, precision and transformation to power great customer experiences."
Rakesh Sheth
Head of Centralized Sales and Sales Analytics
Rakesh leads the Centralized Sales team, as well as all sales analytics initiatives. Prior to joining Citizens, Rakesh held leadership roles in digital sales analytics at HSBC, Discover, Wells Fargo and U.S. Bank.
"We use data and technology to help our sales teams work smarter - so every customer gets the guidance they need, when they need it."
Explore opportunities
Want to see where you fit into our vision? Explore the opportunities, growth and purpose waiting for you on our Mortgage team.