Credit Risk Data & Insights Analyst

Description

At Citizens, we're more than a bank! Here, you'll experience new things, create new opportunities, think beyond your role and make an impact!

The Risk Analytics Sr Analyst will provide support to the Business Banking Credit Analytics team. The candidate will help ensure a comprehensive and compliant Credit Risk framework is effectively implemented, maintained, and communicated to stakeholders through utilization of efficient and varied delivery approaches.

The candidate will work with a wide range of internal stakeholders, including business line leadership, first- and second-line credit risk management, credit assurance functions, as well as internal support teams to manage key credit risk policy and control related-matters. Further, the candidate will support the BAU activities of the Business Banking Credit Analytics team and supporting continuous improvement therein.

The candidate will :

Understand and own the business banking credit risk implementation framework. Coordinate with multiple partners (business line, technology, credit risk) to identify systems and process that may be impacted by credit policy changes. Translate and communicate policy changes into procedures, flow diagrams, and financial calculations.

Coordinate and perform post implementation testing of policy changes. Identify issues and propose solutions.

Coordinate the Annual Review of Credit Policy Attributes

Coordinate Credit Bureau Vendor Management, to include performance monitoring / scorecards, operational meetings, identify and communicate operational issues, maintain project / initiative list, lead process improvement initiatives, monitor usage and invoices.

Partner with business line and regulatory to understand their analytics needs; consult with IT and data teams to determine data source, and work with colleagues to ensure consistency of our approach with established standards.

Actively engage in or support focused projects and initiatives, within and across Business Banking and engaging with external partners / stakeholders, including preparation of credit policy proposal.

Provide support for internal audits and assessments, and external and regulatory exams, including the collection of responsive materials and tracking of requests, engagement with Central Risk and testing functions.

Prepare and present management report covering findings and identify trends / items of note, as needed.

Support strategic solutions, when required, and provide timely remediation of data issues through effective root cause analysis.

Other ad hoc projects.

Qualifications :

2+ years of financial services experience, with exposure to risk management processes and procedures.

2+ years Quantitative Skills - ability to develop and implement effective portfolio management routines that monitor KPIs, benchmark performance vs. peers, and identify emerging trends.

Experience with data querying or programing languages is preferred - SQL, VBA, SAS, R, or Python

Strong attention to detail, experience creating / reviewing documentation, procedures, and financial calculations.

Previous experience in a similar role within a financial services organization is preferred

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.

Strong written and verbal communication skills

Advanced use of MS Office Suite (Word, Excel, Access, PowerPoint)

Education / Certification :

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

Master's degree in a quantitative discipline (e.g. Mathematics, Statistics, Engineering, Computer Science, Economics, Econometrics) preferred

Hours and Work Schedule :

Hours per Week : 40 Monday-Friday

Hybrid Schedule : 4 days onsite from a Citizens corporate office, 1 day remote

Pay Transparency

The salary range for this position is $75,000-$100,000 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 .

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.