Credit Risk & Pricing Analyst

Citizens is a leading Home Equity lender, committed to delivering innovative solutions and exceptional customer experience. We are seeking a Credit Risk & Pricing Analyst to join our Home Equity Credit Risk & Pricing team and help support strategies that drive sustainable growth, profitability, and strong portfolio performance.

In this role, you will partner cross-functionally with teams across Product, Operations, Sales, Credit Risk, Pricing, Marketing, Finance, and Strategy to analyze business opportunities, support pricing recommendations, and influence outcomes across the Home Equity business. The position offers meaningful exposure to senior-level discussions, strategic initiatives, and broader Consumer Lending priorities.

The ideal candidate will build deep expertise in data, analytics, and performance drivers that inform Home Equity pricing and credit strategy. This individual will lead and support analytical work related to profitability, portfolio performance, market trends, and competitive intelligence, translating insights into clear recommendations that help shape business decisions.

Key Responsibilities

• Develop profitability analyses, financial models, and decision-support tools to evaluate pricing strategies, product changes, and business initiatives
• Monitor Home Equity portfolio performance, including volume, yield, margin, credit quality, profitability, and emerging business trends
• Conduct market and competitive intelligence to assess pricing position, identify growth opportunities, and support portfolio return objectives
• Support pricing recommendations through data-driven insights, scenario analysis, sensitivity testing, and business case development
• Create executive-level reporting, dashboards, and presentations that clearly communicate performance trends, pricing insights, and strategic recommendations
• Partner with cross-functional stakeholders to evaluate, implement, and measure pricing initiatives across the Home Equity business
• Maintain and enhance recurring reporting processes, analytical tools, and performance management routines to support ongoing portfolio decision-making
• Identify opportunities to improve profitability, competitiveness, and customer outcomes through pricing optimization, segmentation, and process enhancements

Ideal Candidate

• 4+ years of experience in pricing, profitability analysis, financial analysis, analytics, product management, or a related quantitative role
• Strong analytical, financial modeling, and problem-solving skills, with the ability to translate complex data into clear, actionable business insights
• Experience working with large datasets, building recurring reporting, and developing executive-level presentations or business recommendations
• Strong communication and stakeholder management skills, with the ability to partner effectively across business, finance, risk, product, marketing, and sales teams
• Experience in consumer lending, banking, home equity, mortgage, or financial services preferred
• Proficiency with SQL, Python, or similar analytical tools preferred

Education

• Bachelor’s degree in quantitative or business discipline (Mathematics, Statistics, Computer Science, Engineering, or similar)
• Advanced degree a plus, but not required

Hours & Work Schedule

Hours per Week: 40

Work Schedule: 8:30 – 5:00

Hybrid: 4 days per week on-site, 1 day remote

The salary range for this position is $77,000 - $103,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the budget, 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 https://jobs.citizensbank.com/benefits .

Equal Employment Opportunity

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.

Equal Employment and Opportunity Employer

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Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.