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Citizens Bank Logo Citizens Bank · IT - Software Development

Sr Credit Risk & Operations Analytics- Home Equity

United States, Cincinnati, Ohio Employment contract 110000.00 - 145000.00 USD / Year · Job Posted May 30, 2026
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Job Description

The Credit Risk Professional will be a critical member of the Home Equity Credit Risk Team, generating the statistical analysis used to inform credit strategy. Will work with our data resources to formulate policy recommendations, communicate those recommendations to important stakeholders, and collaborate with diverse teams to see those recommendations implemented successfully. Will be expected to wear multiple hats, solving problems across the full credit lifecycle and will have the opportunity to take ownership of solutions and see them through to completion in a fast-paced, challenging environment.

Job Responsibility

  • 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

Requirements

  • 3+ years of Credit Risk experience - preferably real estate lending (mortgage and/or home equity)
  • 2+ years of relevant experience in a quantitative role utilizing statistical programing languages
  • 2+ 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.)

Nice to have

Masters/PhD in a quantitative discipline preferred

What we offer

  • competitive pay
  • comprehensive medical, dental and vision coverage
  • retirement benefits
  • maternity/paternity leave
  • flexible work arrangements
  • education reimbursement
  • wellness programs
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