Description The Credit Risk Sr 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

Qualifications: 3 years of Credit Risk experience – preferably real estate lending (mortgage and/or home equity)

3 years of relevant experience in a quantitative role utilizing statistical programing languages

3 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

Education: Bachelor’s degree in quantitative discipline required (Finance, Mathematics, Computer Science, Statistics, Engineering, etc.)

Masters/PhD in a quantitative discipline preferred

Hours & Work Schedule Hours per Week: 40 Work Schedule: 8:30am – 5:00pm, Monday – Friday Role is hybrid, 4 days in office per week, 1 day remote Pay Transparency The salary range for this position is $ 143,705 – $180,000 per year, plus an opportunity to earn an annual discretionary bonus

Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more

Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States

For an overview of our benefits, visit https://jobs.citizensbank.com/benefits . LI-Citizens1 Some job boards have started using jobseeker-reported data to estimate salary ranges for roles

If you apply and qualify for this role, a recruiter will discuss accurate pay guidance

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 Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks

Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered

Any offer of employment will include further information.