Credit Risk Data & Insights Analyst

Risk Analytics Sr Analyst

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

• Understand and own the business banking credit risk implementation framework. Coordinate with multiple partners (business line, technology, credit risk) to identify systems and processes 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.

• 5+ years of financial services experience, with exposure to risk management processes and procedures.
• 5+ 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 programming 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‑oriented environment.
• Strong written and verbal communication skills.
• Advanced use of MS Office Suite (Word, Excel, Access, PowerPoint).

• 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.

4 days in the office, 1 remote.

• Hours per Week: 40

Citizens, its parent, subsidiaries, and related companies 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.

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.