Head of Transformation, Horizontal Strategy and AI Enablement

This critical role will lead business transformation, horizontal strategy, AI enablement, cross-functional execution, and external partnerships for Consumer Credit Management and Decision Sciences (CR&DS).

In this role, you will translate business priorities into transformation initiatives and measurable outcomes, with accountability for AI use case prioritization, adoption, and value realization.

Collaboration is key as you will partner with our Enterprise Data and Analytics teams (ED&A) and Technology division to leverage enterprise data, platforms, and technical capabilities and will serve as a strategic advisor to the Head of CR&DS to drive innovation and operational excellence.

Key Responsibilities will be to:

Lead horizontal strategies across Credit Management and Decision Sciences, including Credit Abuse, Risk Appetite frameworks and models, Loss Forecasting, and other enterprise-wide risk initiatives. Partner with cross-functional teams, including ED&A, to define business requirements for AI solutions, evaluate external vendors, and identify strategic data sources.

Provide business execution leadership for critical cross-functional products and strategic priorities, including PCO (Power Curve) initiatives. Own business requirements, prioritization, implementation readiness, and adoption, partnering closely with Technology and ED&A on model platform capabilities and technical delivery.

Manage GCC relationships and governance , including operating model effectiveness, talent strategy, workforce planning, and execution oversight.

Own the business AI and advanced analytics portfolio across Credit Management and Decision Sciences, driving use case strategy, prioritization, sponsorship, adoption, and value realization. Lead the integration and scaling of GenAI, predictive models, and decisioning capabilities within business processes, leveraging enterprise platforms, data assets, and capabilities provided by ED&A.

Business ownership and prioritization of Reimagine-the-Bank (RTB) initiatives to transform credit management and decision sciences processes, ensuring operational excellence and effective collaboration across business and functional teams.

Own enterprise bureau relationships , including strategic engagement, partnership management, governance, and optimization of bureau-enabled capabilities, working closely with sourcing team.

Serve as the primary Credit Management and Decision Sciences representative for engagement with enterprise partners, ensuring alignment, collaboration, and effective execution across functions.

Support the Head of Credit Management and Decision Sciences in defining strategic priorities, translating strategy into execution plans, tracking progress, and providing updates to senior management and executive leadership.

Hours and Work Schedule

Hours per Week: 40

Work Schedule: Monday through Friday

Pay Transparency

The salary range for this position is $251,000 - $316,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to budget, the work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits

Equal Employment Opportunity

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.

Equal Employment and Opportunity Employer

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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.