VP, Senior Change Management and Operational Modernization
First Citizens Bank Equipment Finance
Jacob Kart, Vice President of Senior Change Management and Operational Modernization at First Citizens Bank Equipment Finance, exemplifies the rising leadership shaping the industry’s future. Starting as an entry-level collector just eight years ago, Kart rapidly advanced by focusing on end-to-end customer experience and process improvement, demonstrating a deep commitment to modernizing operations.
Now a key driver of strategic transformation, Kart leads cross-functional teams and manages complex technology projects — from system conversions to consolidations across operating sites. His unique ability to connect business goals with IT capabilities has elevated efficiency while maintaining a strong customer focus.
Kart’s leadership is rooted in critical thinking and advocacy. He constantly challenges the status quo to identify opportunities for sustainable improvement. “My entire career I continue to challenge where we can do things better, quicker and easier, because I understand we are in a world that is constantly changing — and if we are to be successful, we must also change with it,” he explains.
What sets Kart apart is his approachable and forward-looking leadership style. He fosters open dialogue, removes obstacles and empowers his team to pursue optimized, long-term solutions. His focus on sustainable change ensures both internal alignment and lasting customer value.
As the industry faces instability, Kart sees opportunity in embracing innovation — particularly AI — and rethinking traditional methods. He also emphasizes the importance of cultivating a culture that invests in continuous development to attract and retain emerging talent.
By blending strategic insight, technological fluency and human-centric leadership, Kart is not only reshaping operational models but also inspiring the next wave of talent in equipment finance.
“My entire career I continue to challenge where we can do things better, quicker and easier, because I understand we are in a world that is constantly changing.”
