Finance Manager

Finance Manager – Home Equity Finance

Citizens is seeking a Finance Manager to join the Consumer Home Equity Finance organization. The role focuses on delivering financial guidance, strategic support, and enhancing financial tools and processes to advance the Home Equity portfolio.

• Develop and implement financial strategies to maximize profitability of the Home Equity portfolio.
• Oversee budgeting, forecasting, and financial analysis for the Home Equity division.
• Manage and monitor Home Equity financial performance metrics and KPIs.
• Collaborate with cross‑functional teams to drive financial initiatives and support business growth.
• Provide insights and recommendations to management based on financial analysis.
• Analyze financial data, maintain, and create financial models to monitor and forecast balances, net interest income, and non‑interest income.
• Examine industry trends and potential impacts from interest‑rate environment, macroeconomic factors, and internal business changes.
• Evaluate past results, perform variance/attribution analyses, identify trends, and recommend improvements.
• Present and discuss actuals and forecasts with business unit leaders.
• Support ad hoc analysis and business plans to justify and promote growth initiatives.
• Provide tactical balance sheet support: manage & enhance budget, forecast, and strategic plan process; manage monthly close process including estimation and communication of preliminary results.

• 7–10 years of finance experience (Home Equity or Consumer Lending preferred).
• Strong analytical skills and proficiency in financial modeling.
• Excellent communication skills and ability to work effectively with internal partners.
• Track record of strategic thinking and problem‑solving.
• Able to think deeply and understand the big picture.
• Experience in a dynamic, fast‑paced environment; ability to prioritize, work independently, and organize resources.
• Strong foundation in financial analysis, projections, and models.
• Detail‑oriented, diligent, with strong organizational and analytical skills.
• Understanding of banking trends, especially economic and interest‑rate environment.
• Proficiency in Microsoft Excel, PowerPoint, Word.
• Experience with financial databases such as Oracle Hyperion Essbase/Smart View.

• Bachelor's degree in Finance, Accounting, Economics, Business Management, or related field.
• Master's degree or financial certifications (MBA, CFA, CPA) preferred.

• 40 hours per week.
• Monday through Friday.

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, 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.

At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.