Citizens · 5 months ago
Credit Risk Sr Professional - Home Equity
United States
Full-time
Remote
Mid, Senior Level
$144K/yr - $180K/yr
3+ years expCitizens is seeking a Credit Risk Sr Professional to join their Home Equity Credit Risk Team, where they will generate statistical analysis to inform credit strategy. The role involves collaborating with teams, formulating policy recommendations, and implementing solutions in a fast-paced environment.
BankingCredit CardsFinancial ServicesFinTechRetail
No H1B
U.S. Citizen Only
Responsibilities
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, property 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, automate 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
Qualification
Required
3+ years of Credit Risk experience - preferably real estate lending (mortgage and/or home equity)
3+ years of relevant experience in a quantitative role utilizing statistical programming languages
3+ years Quantitative Skills – ability to develop and implement effective portfolio management routines that monitor key metrics, benchmark performance vs. peers, and identify emerging trends
Expertise with one or more of the following technologies required: SQL, Python, R, Tableau
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
Bachelor's degree in quantitative discipline required (Finance, Mathematics, Computer Science, Statistics, Engineering, etc.)
Preferred
Masters/PhD in a quantitative discipline preferred
Benefits
Comprehensive medical, dental and vision coverage
Retirement benefits
Maternity/paternity leave
Flexible work arrangements
Education reimbursement
Wellness programs
Paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States
Company
Citizens
At Citizens, we recognize that the journey to accomplishment is no longer linear and that individuals are made of all they have done and all they are going to do.
10001+ employees
Funding
Current Stage
Public CompanyTotal Funding
$2B2025-02-26Post Ipo Debt· $750M
2024-07-09Post Ipo Debt· $1.25B
2014-09-23IPO
Leadership Team
Melisa Carrascoza
SVP, Business Banking Market Executive - New England South
Steve Kozek
Head of Commercial Excellence, Senior Vice President
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