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Finance Manager / Assistant Vice President - Home Equity Strategic Finance & Portfolio Analytics

Position Summary

The Finance Manager / Assistant Vice President serves as the lead finance partner helping develop a new originate-to-sell platform supporting Home Equity growth initiatives, off balance-sheet funding, secondary market execution, and portfolio optimization strategies. This role is responsible for evaluating the financial performance of Home Equity production across both balance sheet and distribution channels, developing transaction and profitability models, supporting capital allocation decisions, and delivering executive insights that influence business strategy.

The position works closely with Home Equity leadership, Capital Markets, Treasury, Risk, and Operations to evaluate product economics, funding strategies, loan sale opportunities, servicing economics, balance sheet impacts, and long-term profitability.

The ideal candidate combines strong financial modeling capabilities, originate-to-sell lending experience, banking and consumer lending knowledge, and the ability to navigate complex cross-functional initiatives. This individual will translate production trends, capital considerations, accounting implications, and market opportunities into actionable recommendations for senior leadership.

Primary Responsibilities

Strategic Finance & Distribution Analytics

• Lead financial analysis supporting Home Equity distribution strategies, loan sales, strategic partnerships, and alternative funding structures.
• Develop segment-level economic models evaluating profitability, capital efficiency, liquidity impacts, and long-term shareholder return.
• Analyze gain-on-sale economics, servicing economics, fee revenue streams, retained interests, and ongoing portfolio profitability.
• Assess tradeoffs between holding assets on balance sheet versus distributing assets through secondary market channels.
• Support business case development for new products, customer segments, pricing strategies, and growth initiatives.
• Partner with Capital Markets to evaluate investor economics, transaction pricing, execution assumptions, and market conditions.

Portfolio & Profitability Analytics

• Evaluate return on capital, economic profit, and balance sheet optimization opportunities.
• Evaluate portfolio production assumptions, funding forecasts, pricing impacts, and balance sheet growth opportunities.
• Provide recommendations regarding changes in volume, pricing, profitability, and portfolio strategy. 

Executive Reporting & Strategic Decision Support

• Produce executive-level reports, scorecards, dashboards, and management presentations.
• Deliver daily, monthly, and strategic reporting related to Home Equity volume, profitability, market share, production performance, and forecast variance.

Data Management & Business Intelligence

• Lead development and maintenance of reporting processes, forecasting tools, financial models, Tableau dashboards, and Essbase-based reporting.
• Ensure data accuracy and consistency across reporting platforms and forecasting systems.
• Create and maintain documented procedures supporting business continuity and process governance

Required Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business, Mathematics, or related discipline.
• Progressive experience in financial planning and analysis in Consumer Lending, Home Equity, Mortgage finance or capital markets, or related analytical functions.
• Advanced financial modeling and forecasting expertise.
• Advanced Excel skills and experience with reporting and analytics platforms.
• Experience presenting financial findings to senior leadership.

Preferred Qualifications

• MBA, CFA, CPA, or other advanced financial designation.
• Experience with Essbase, Tableau, Dodeca, SQL-based reporting, and financial planning systems.
• Strong knowledge of Home Equity / Mortgage origination, servicing, secondary marketing, and portfolio economics. 

Hours & Work Schedule

• Hours per Week: 40
• Schedule: Monday through Friday

Pay Transparency

• The salary range for this position is $99,000-$127,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to, the budget, 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 .

Work Authorization: 
This role is not eligible for new employer sponsored or current H-1 B visa holders. Applicants, including current OPT, L and other visa holders, must be authorized to work in the U.S. without the need for new employer sponsorship for themselves or their spouses now and in the future.

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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.

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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.