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Citizens · 1 month ago

Credit Risk Data & Insights Analyst

Johnston, RI

Full-time

Hybrid

Entry, Mid Level

$75K/yr - $100K/yr

2+ years exp

Citizens is more than just a bank; they focus on creating new opportunities and making an impact. The Risk Analytics Sr Analyst will support the Business Banking Credit Analytics team by ensuring a comprehensive and compliant Credit Risk framework is effectively implemented and maintained, while collaborating with various internal stakeholders.

BankingCredit CardsFinancial ServicesFinTechRetail

H1B Sponsor Likely

Responsibilities

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

Qualification

Credit Risk ManagementQuantitative SkillsData QueryingSQLPythonVBASASRMS Office SuiteFinancial CalculationsAttention to DetailProblem SolvingTime ManagementCommunication Skills

Required

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

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

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)

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

Preferred

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

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

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

Glassdoor3.6

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.

Founded in 1828

Providence, Rhode Island, USA

10001+ employees

https://www.citizensbank.com/

H1B Sponsorship

Citizens has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

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Trends of Total Sponsorships

2020 (1)