Test Manager, Unsecured Lending & Card

The Test Manager, Unsecured Lending & Card supports integrated test planning and readiness for Unsecured Lending, spanning Personal Loans and Credit Card. The role coordinates test planning and execution, tracks defects and dependencies, and provides clear information to support release-readiness decisions.

Working across product, technology, operational risk, credit risk, fraud, operations, accounting, servicing, data and analytics, compliance, and external partners, the Test Manager helps maintain clear accountability, appropriate coverage, traceable evidence, and transparent status throughout the testing lifecycle.

Key Responsibilities

• Maintain the integrated test plan, scope, schedule, entry and exit criteria, and sign-off requirements for Unsecured Lending initiatives.

• Coordinate cross-functional test planning and execution across business, technology, risk, operations, data, compliance, vendors, and external partners.

• Partner with applicable stakeholders to translate product, policy, regulatory, operational, data, control, and technology requirements into clear test scenarios, expected outcomes, and evidence.

• Maintain traceability across requirements, scenarios, test data, execution results, defects, risks, decisions, evidence, and approvals.

• Coordinate end-to-end, system integration, user acceptance, regression, operational, reconciliation, production-readiness, and post-deployment validation based on initiative risk and complexity.

• Support the creation, conditioning, distribution, and tracking of test data and accounts required for scenario execution.

• Track ownership and readiness for test execution, environments, defect resolution, vendor validation, business approval, and release criteria.

• Maintain a consolidated view of defects, issues, dependencies, and testing risks; confirm ownership, monitor remediation and retesting, and escalate blockers.

• Facilitate readiness reviews, defect triage, dependency discussions, and status reporting, clearly communicating coverage, risks, decisions, approvals, and release confidence.

• Prepare testing-readiness assessments that identify unmet criteria, open risks, required remediation, residual exposure, and supporting evidence for release decisions.

• Confirm critical controls, operational procedures, support documentation, triage paths, test evidence, approvals, and decision records are complete before launch.

Experience and Skills

• 4+ years of experience in test management, quality assurance, product delivery, program management, or related discipline.

• Demonstrated experience working with cross-functional testing across multiple systems, teams, vendors, and business stakeholders.

• Strong knowledge of integrated test planning, requirements traceability, test execution, defect lifecycle management, user acceptance testing, regression testing, and release-readiness governance.

• Ability to work with stakeholders to turn complex requirements into clear scenarios, ownership, sequencing, and measurable outcomes; assess risk; prioritize defects; and coordinate follow-through across matrixed teams.

• Strong facilitation and stakeholder communication skills, including concise readiness reporting and clear escalation of risks and decisions.

• Experience working within Agile delivery models and using tools such as Jira, Confluence, SharePoint, Excel, test-management platforms, and reporting dashboards.

• Experience in consumer lending, credit card, personal loans, financial services, or another highly regulated industry.

• Working knowledge of credit decisioning, customer communications, servicing, accounting, data and reporting, third-party integrations, and operational controls.

Education and Certifications

• Bachelor’s degree or an equivalent combination of relevant education and professional experience.

• Relevant certification in testing, quality, Agile, Scrum, SAFe, or project management is a plus.

Hours & Work Schedule

• Hours per Week: 40+
• Work Schedule: Monday to Friday

Pay Transparency

‌The salary range for this position is $115,000 – $125,000 per year, plus an opportunity to earn additional incentive earnings. 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 very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.

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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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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.