Responsibilities:

The Second Line of Defense (SLOD), Consumer Credit Risk is mandated with providing credible challenge to business unit credit policies, strategies, and overall performance against agreed risk appetite. Within the SLOD, the Credit Risk Policy Assurance function is tasked with ensuring credit policies are implemented correctly (execution matches intent). An additional expanded capability is the ability to independently review analytics supporting policy recommendations and provide standalone analytic insights into credit trends at the request of senior management.

The Risk Analytics Senior Manager will be an integral part of the SLOD’s independent analytic function.  He/She will be responsible for producing analytic “deep dives”, at the request of management, across any of the business lines within Consumer and Business Banking.  He/She will utilize knowledge of databases and programming skills to mine data, identify trends and/or generate analyzes on performance of target populations.  Analytic projects may range from vintage based tracking, customer segmentation, back-testing of existing strategies or evaluating hypothetical policy changes on historic data.  He/She will be a self-starter that is comfortable multi-tasking and working with multiple data sources.  

• Analyze business problems and generate hypotheses

• Analyze data to prove hypothesis (or dis-prove) 

• Draw conclusions and communicate insights/findings to senior management 

Qualification:

Required:

• Bachelor’s degree in a quantitative discipline (e.g. Mathematics, Statistics, Engineering, Physics, Computer Science, Economics)

• 5+ years financial or quantitative experience

• 3+ years’ experience programming in either SAS, SQL, Python, R, etc. 

• Demonstrated critical thinking and analytical aptitude

Preferred Qualifications:

• Master’s degree in a quantitative discipline (e.g. Mathematics, Statistics, Engineering, Physics, Computer Science, Economics)

• 5-7 years analytical or quantitative experience, preferably in retail credit risk in one or more of the following product lines: Credit Cards, Student Lending, Mortgage/Home Equity, Buy Now Pay Later (BNPL) financing, Small Business Banking 

• 5+ years’ experience programming in SAS, SQL and proven experience with relational databases 

#LI-Citizens2

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.

Equal Employment and Opportunity Employer

Job Applicant Data Privacy Policy

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.