Risk Analytics Sr Manager

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 analysis 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

• 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

• 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

The salary range for this position is $160,000 - $170,000 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.

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.

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.

Posting End Date: 03/02/2026