Citizens Announces Key Leadership Appointments for Consumer Banking Team
Citizens announces three key executive appointments to strengthen its consumer banking leadership team. Raman Muralidharan joins as Head of Mortgage, while Adam Boyd and Nuno Dos Santos are promoted to Head of Lending and Head of Retail Banking, respectively. These appointments aim to accelerate the bank's transformation and enhance customer experience.
Muralidharan brings two decades of mortgage industry experience from Guaranteed Rate and HSBC. Boyd, who led the successful FastLine® home equity lending transformation, will oversee consumer lending operations. Dos Santos, who achieved top-quartile growth in the Tri-State Metro market, will manage over 5,000 colleagues across 1,000 retail branches.
Cittadini annuncia tre importanti nomine esecutive per rafforzare il suo team di leadership nella banca al consumo. Raman Muralidharan entra come Responsabile dei Mutui, mentre Adam Boyd e Nuno Dos Santos vengono promossi rispettivamente a Responsabile dei Prestiti e Responsabile della Banca al Dettaglio. Queste nomine mirano ad accelerare la trasformazione della banca e migliorare l'esperienza del cliente.
Muralidharan porta con sé due decenni di esperienza nel settore dei mutui proveniente da Guaranteed Rate e HSBC. Boyd, che ha guidato con successo la trasformazione del prestito sull'equità della casa FastLine®, supervisionerà le operazioni di prestito al consumo. Dos Santos, che ha raggiunto una crescita ai massimi quartili nel mercato della Tri-State Metro, gestirà oltre 5.000 colleghi in più di 1.000 filiali al dettaglio.
Citizens anuncia tres nombramientos ejecutivos clave para fortalecer su equipo de liderazgo en la banca de consumo. Raman Muralidharan se une como Jefe de Hipotecas, mientras que Adam Boyd y Nuno Dos Santos son promovidos a Jefe de Préstamos y Jefe de Banca Minorista, respectivamente. Estos nombramientos tienen como objetivo acelerar la transformación del banco y mejorar la experiencia del cliente.
Muralidharan aporta dos décadas de experiencia en la industria hipotecaria de Guaranteed Rate y HSBC. Boyd, quien lideró la exitosa transformación del préstamo sobre el capital de vivienda FastLine®, supervisará las operaciones de préstamos al consumo. Dos Santos, quien logró un crecimiento de primer cuartil en el mercado de Tri-State Metro, gestionará a más de 5,000 colegas en más de 1,000 sucursales minoristas.
시민은행은 소비자 뱅킹 리더십 팀을 강화하기 위해 세 가지 주요 경영직을 발표했습니다. 라만 무라리다란이 모기지 책임자로 합류하고, 아담 보이드와 누노 도스 산토스는 각각 대출 책임자와 소매 뱅킹 책임자로 승진합니다. 이러한 임명은 은행의 변화를 가속화하고 고객 경험을 향상시키기 위한 것입니다.
무라리다란은 Guaranteed Rate와 HSBC에서 20년 간의 모기지 산업 경험을 가지고 있습니다. 보이드는 성공적인 FastLine® 주택 자산 대출 변화를 이끌었으며, 소비자 대출 운영을 감독하게 됩니다. 도스 산토스는 Tri-State Metro 시장에서 1분위 성장을 달성했으며, 1,000개 소매 지점에 걸쳐 5,000명 이상의 동료를 관리합니다.
Citizens annonce trois nominations exécutives clés pour renforcer son équipe de direction dans la banque de consommation. Raman Muralidharan rejoint en tant que Responsable des Hypothèques, tandis que Adam Boyd et Nuno Dos Santos sont promus respectivement Responsable des Prêts et Responsable de la Banque de Détail. Ces nominations visent à accélérer la transformation de la banque et à améliorer l'expérience client.
Muralidharan apporte deux décennies d'expérience dans l'industrie des hypothèques, issu de Guaranteed Rate et HSBC. Boyd, qui a conduit la transformation réussie des prêts immobiliers FastLine®, supervisera les opérations de prêts aux consommateurs. Dos Santos, qui a réalisé une croissance de premier quartile sur le marché de Tri-State Metro, gérera plus de 5 000 collègues dans plus de 1 000 agences de détail.
Citizens gibt drei wichtige Führungsentscheidungen bekannt, um sein Führungsteam im Privatkundengeschäft zu stärken. Raman Muralidharan wird Leiter der Hypotheken, während Adam Boyd und Nuno Dos Santos jeweils zum Leiter für Kredite und Leiter des Einzelhandelsgeschäfts befördert werden. Diese Ernennungen zielen darauf ab, die Transformation der Bank zu beschleunigen und die Kundenerfahrung zu verbessern.
Muralidharan bringt zwei Jahrzehnte Erfahrung in der Hypothekenbranche von Guaranteed Rate und HSBC mit. Boyd, der die erfolgreiche Umgestaltung des FastLine®-Eigenheimkreditprogramms geleitet hat, wird die operativen Kreditgeschäfte überwachen. Dos Santos, der im Tri-State Metro-Markt ein Wachstum im oberen Quartil erzielt hat, wird über 5.000 Mitarbeiter in 1.000 Einzelhandelsfilialen leiten.
- Strategic leadership appointments strengthen key consumer banking divisions
- Successful FastLine® home equity lending transformation led to record volume growth
- Top-quartile household and deposit growth achieved in Tri-State Metro market
- None.
New Heads of Mortgage, Consumer Lending and Retail Banking bring deep experience to accelerate ongoing transformation and meet customers’ evolving needs
"The appointment of three highly experienced senior executives underscores our commitment to deliver a superior customer experience and cultivate deeper relationships across mortgage, lending and retail banking,” said Brendan Coughlin, Vice Chair and Head of Consumer Banking for Citizens. "Raman, Adam and Nuno’s deep expertise and impressive track records will accelerate our progress and position the bank for continued success through customer-centric innovation to meet evolving banking and financial needs.”
Raman Muralidharan, Head of Mortgage, leads all aspects of mortgage originations and servicing, including sales, operations, strategy, and technology, reporting to Coughlin. He brings two decades of extensive mortgage industry experience, having previously served as President and Senior Executive Vice President of New Financial Products at Guaranteed Rate. Prior to this role, he had an extensive career at HSBC where he held various senior leadership roles in marketing, technology, and mortgage banking. He has also been an executive at Capital One and a partner at the management consulting firm Booz Allen.
Adam Boyd, Head of Lending, leads all aspects of consumer lending, including home equity products, credit cards, Citizens Pay, student lending, partner lending, consumer credit analytics, and consumer lending strategy and operations, reporting to Coughlin. Most recently, he led the transformation of the home equity lending business with the debut of Citizens’ FastLine® making the process faster and easier for borrowers. This produced record volume growth in recent years and ranked the company as one of the top nationwide home equity leaders. He also led the overhaul of the credit card business strategy, which is positioned for profitable growth in 2025, and beyond. Over the past decade, Boyd held several leadership positions in Analytics and Product Management for checking, deposits, payment, and fee income. Prior to Citizens, he served in leadership roles at TD Bank and Bank of America.
Nuno Dos Santos, Head of Retail Banking, oversees more than 5,000 colleagues across 1,000 retail branch locations. For the past two years, he served as the Retail Director for the Tri-State Metro market that includes
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About Citizens Financial Group, Inc.
Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions, with
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Media
Michelle King Savio
781-375-0035
michelle.l.kingsavio@citizensbank.com
Source: Citizens Financial Group, Inc.
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