Citizens Financial Group, Providence, R.I., has promoted Christopher Downs to executive vice president and group executive in charge of its consumer finance and bank card divisions.

The divisions are responsible for consumer loan and credit card origination and servicing for all subsidiaries.

Mr. Downs was senior vice president and group executive for the consumer finance division, a title he has held since joining Citizens in 1994. Earlier, he was at Chase Manhattan Bank in New York.

Citizens Financial Group Inc. is owned by Royal Bank of Scotland and Bank of Ireland.

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