Finance Sr Manager

Senior Manager – Consumer Banking Finance & Performance Management

The Senior Manager of Consumer Banking Finance  is a strategic partner to senior line-of-business leaders, responsible for driving financial transparency, disciplined expense management, and performance optimization across the retail branch network and key support lines of business. This role leads budgeting, business case development, and ongoing financial analytics while providing actionable insights on opportunities and risks. Additionally, the role oversees incentive goal setting and performance scorecards for Metro New York and the broader branch distribution network. The role will play a critical role in ensuring the financial integrity of the business through sound fundamental practices. You will be responsible for Enterprise Data & Analytics covering all areas of financial and management reporting, planning and analysis. In this role, you’ll experience new things, create new opportunities, think beyond your role and make an impact. You will drive strategic business initiatives and review financial forecasts, variance reports, and industry drivers as part of the planning process. You will serve as a strategic business partner for leaders, leading strategic initiatives and supporting cross functional teams with high visibility and impact. You will be fully knowledgeable on the day-to-day within Enterprise Data & Analytics and can provide assistance on complex business issues.    

More importantly, while in this role you’ll feel valued for who you are and supported to achieve what’s important to you, personally and professionally!

Key Responsibilities

Strategic Financial Partnership

• Serve as a trusted advisor to senior retail and other key support leaders, providing financial insights to inform decision-making and strategy execution

• Translate business strategies into financial plans, ensuring alignment with enterprise objectives

• Challenge assumptions and identify opportunities to improve financial performance and resource allocation

Expense Management & Budget Oversight

• Facilitate the annual budgeting and monthly forecasting processes, including analysis of key assumptions and related financial implications.
• Supports the business by providing financial reporting and analysis to influence business management and advises on accounting issues and the financial implications of business trends.
• Ensures business leadership is focusing on the most important financial outcomes and that plans are aligned with business unit and franchise strategies.
• Ensures the sound financial management and well controlled processes, including Income Statement, Balance Sheet reporting, and reconciliations as appropriate.
• Constantly scan and learn and apply new knowledge to transform core processes. Operate in an agile, flexible and adaptable manner.

• Monitor and analyze expense trends, identifying variances, risks, and cost-saving opportunities

• Develop actionable recommendations to optimize expense efficiency while supporting growth initiatives

Business Case Development

• Lead development and validation of business cases, including ROI, NPV, payback, and break-even analysis

• Partner with cross-functional teams to evaluate investments 

• Ensure consistent financial rigor and governance across all investment proposals

Opportunities & Risk Management

• Proactively identify, quantify, and track financial opportunities and risks across the retail and other key support business

• Maintain ongoing visibility into initiative performance versus plan

• Provide executive-level reporting and recommendations to mitigate risks and accelerate value capture

Unit Cost Analytics & Productivity

• Develop and manage unit cost metrics (e.g., cost per transaction, cost per account, cost per branch)

• Analyze productivity drivers and benchmark performance across regions and channels

• Partner with operations teams to improve efficiency and scalability through gearing ratios

Incentive Planning & Performance Management

• Lead retail incentive goal-setting processes, ensuring alignment with financial targets and strategic priorities

• Evaluate performance outcomes and recommend enhancements to drive desired behaviors

Scorecards & Performance Reporting

• Own and maintain Metro New York and branch distribution scorecards

• Deliver insights on performance trends, target attainment, and key drivers of success

• Provide clear, concise executive reporting with a focus on actionable insights

Qualifications

Experience

• 8–12+ years of experience in finance, preferably within retail banking or financial services

• Proven experience supporting senior executives in a business-facing finance role

• Strong background in business case development and financial modeling

Skills & Competencies

• Deep expertise in financial analysis, forecasting, and performance management

• Strong understanding of retail banking economics, branch networks, and customer channels

• Advanced proficiency in Excel and financial modeling; experience with Claude, ChatGPT and other AI/BI tools to automate routines and focus on analytics

• Exceptional communication skills with the ability to influence senior stakeholders

• Strategic thinker with strong problem-solving and analytical capabilities

Leadership

• Demonstrated ability to work independently

• Strong organizational skills with the ability to manage multiple priorities in a fast-paced environment

Success Measures

• Accuracy and effectiveness of financial forecasts and expense management

• Quality and impact of business cases and investment decisions

• Identification and realization of cost efficiencies and growth opportunities

• Clarity and usefulness of performance reporting and scorecards

Pay Transparency 
The salary range for this position is $128,000 - $160,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the 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.