Description

As a Credit Risk Professional, you will be a critical member of the Unsecured Consumer Lending Credit Risk Team, generating the statistical analysis used to inform credit strategy. You 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. You will be expected to wear multiple hats, dealing with problems across the full credit lifecycle. You 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 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 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

Required Qualifications:

• 3+ years of financial or quantitative experience

• 2-3 years of experience programming with SQL and Python, R, or SAS

• Demonstrated critical thinking and analytical aptitude

Preferred Qualifications:

• 3-5 years analytical or quantitative experience, preferably in retail credit risk

• 3+ years of experience programming with SQL and Python, R, or SAS

• Ability to effectively communicate and present recommendations and solutions to business partners and internal team members

Education:

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

Hours & Work Schedule: Hybrid 3 days in the office/ 2 remote

• Hours per Week: 40

• Work Schedule: Monday - Friday

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

At Citizens we value diversity, equity and inclusion, and treat everyone with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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.

Equal Employment and Opportunity Employer

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.

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

05/31/2024