Jose Cruzado
SVP & Senior Credit Risk Officer- Consumer Lending at Citizens | New York City Metropolitan Area
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Jose Cruzado serves as the Senior Vice President and Senior Credit Risk Officer for Consumer Lending at Citizens, where he plays a pivotal role in shaping the bank's credit risk management strategy. With a wealth of experience leading analytical credit risk teams across diverse consumer credit products, Jose has established himself as a key figure in the financial services sector. His expertise spans various markets, including the US, Colombia, Central America, and Europe, allowing him to bring a global perspective to his role.
At Citizens, Jose is responsible for overseeing the second line of defense in credit risk management for critical product lines such as Credit Cards, Citizens Pay, Installment Lending, and Overdraft services. His proactive approach to credit risk involves deploying and evolving strategies that align with the bank's business objectives and risk appetite. By leveraging advanced risk analytics and a deep understanding of retail banking dynamics, he ensures that the unsecured lending products remain competitive and resilient in a rapidly changing market landscape.
Jose's leadership is characterized by a commitment to fostering a culture of risk awareness and collaboration across product teams. His ability to navigate emerging markets and adapt to evolving regulatory environments has been instrumental in driving strong risk management results. As a thought leader in financial risk and underwriting, he continues to influence best practices within the industry, ensuring that Citizens remains at the forefront of effective credit risk management. Through his strategic vision and operational expertise, Jose Cruzado exemplifies the qualities of a transformative leader in the consumer lending space.
SVP & Senior Credit Risk Officer- Consumer Lending at Citizens in May 2019 to Present
SVP & Head of Credit Risk - Unsecured Lending, Credit Cards & Overdraft at Citizens in September 2013 to May 2019
Risk Management Leader - Deposits at Synchrony in June 2013 to September 2013
Chief Risk Officer at GE Capital Restructuring Operations in March 2012 to May 2013
Senior Risk Manager - Synchrony Financial at GE Capital in May 2011 to January 2012
Chief Credit Risk Officer - Colpatria Bank at GE Capital in January 2008 to May 2011
Senior Risk Manager - BAC/Credomatic & GE Capital Joint Venture at GE Capital in January 2005 to December 2007
Senior Portfolio Risk Analyst at GE Capital in January 2004 to January 2005
Financial Management Program (FMP) at GE Capital in July 2001 to December 2003
Foreign Service Internship at U.S. Department of State in January 2000 to July 2000
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Financial Accounting
Financial Analysis
Financial Modeling
Digital Transformation
Deposit risk
Mobile Banking
Consumer Behavior
Manager of Managers
Product Customization
Partner Relationship Management
P&L Management
Financial Results
Contract Negotiation
Risk Governance Framework
Tableau
Strategic Partnerships
Strategic Analytics
Account Management
Credit Cards
Credit Card Analytics
Risk Management
Emerging Markets
Retail Banking
Risk Analytics
Loans
Finance
Banking
Financial Risk
Financial Services
Underwriting
Mergers & Acquisitions
Strategy
Enterprise Risk Management
Credit Risk
Portfolio Management
Credit
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Discover more about CitizensWhat is Jose Cruzado email address?
Email Jose Cruzado at [email protected] and [email protected]. This email is the most updated Jose Cruzado email found in 2026.
How to contact Jose Cruzado?
To contact Jose Cruzado send an email to [email protected] or [email protected].
What company does Jose Cruzado work for?
Jose Cruzado works for Citizens
What is Jose Cruzado's role at Citizens?
Jose Cruzado is SVP & Senior Credit Risk Officer- Consumer Lending
What is Jose Cruzado's Phone Number?
Jose Cruzado's phone (212) ***-*327
What industry does Jose Cruzado work in?
Jose Cruzado works in the Financial Services industry.
Jose Cruzado Email Addresses
Jose Cruzado Phone Numbers
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