What are the responsibilities and job description for the Sr Credit Risk & Pricing Analyst- Home Equity position at Citizens?
Description
The Credit Risk Professional will be a critical member of the Home Equity Credit Risk Team, generating the statistical analysis used to inform credit strategy. Will work with our data resources to formulate policy recommendations, communicate those recommendations to important stakeholders, and collaborate with diverse teams to see those recommendations implemented successfully. Will be expected to wear multiple hats, solving problems across the full credit lifecycle and will have the opportunity to take ownership of solutions and see them through to completion in a fast-paced, challenging environment.
Primary Responsibilities Include
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.
Why Work for Us
At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth
Posting End Date: 05/29/2026
The Credit Risk Professional will be a critical member of the Home Equity Credit Risk Team, generating the statistical analysis used to inform credit strategy. Will work with our data resources to formulate policy recommendations, communicate those recommendations to important stakeholders, and collaborate with diverse teams to see those recommendations implemented successfully. Will be expected to wear multiple hats, solving problems across the full credit lifecycle and will have the opportunity to take ownership of solutions and see them through to completion in a fast-paced, challenging environment.
Primary Responsibilities Include
- Utilize analytical and technical skills to uncover insights, develop policy recommendations, and solve critical business problems.
- Work with proprietary Citizens data in conjunction with bureau data, property data and alternative data sources to shape credit risk strategy.
- Analyze portfolio trends and investigate emerging risks to drive optimization of credit policy in a constantly evolving landscape.
- Design statistical and mathematical models for reporting and predictive analytics.
- Develop, automate and deliver regular reports and communications to senior management.
- Communicate recommendations and insights to key stakeholders to influence decision making.
- Collaborate with diverse teams to see strategy proposals implemented successfully.
- 3 years of Credit Risk experience - preferably real estate lending (mortgage and/or home equity).
- 2 years of relevant experience in a quantitative role utilizing statistical programing languages.
- 2 years Quantitative Skills – ability to develop and implement effective portfolio management routines that monitor key metrics, benchmark performance vs. peers, and identify emerging trends.
- Expertise with one or more of the following technologies required: SQL, Python, R, Tableau.
- Ability to drive actionable outcomes from analytical insight and effectively communicate findings and recommendations to business leadership.
- Exceptional problem-solving acumen with ability to think strategically.
- Time Management – ability to prioritize competing assignments and thrive in a fast-paced results orientated environment.
- Bachelor’s degree in quantitative discipline required (Finance, Mathematics, Computer Science, Statistics, Engineering, etc.).
- Masters/PhD in a quantitative discipline preferred.
- Hours per Week: 40
- Work Schedule: Monday-Friday
- Hybrid: 4 days per week onsite at a Citizens Corporate Office, 1 day remote
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.
Why Work for Us
At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth
Posting End Date: 05/29/2026