Credit Risk Professional - Unsecured Consumer Lending

Description

The Credit Risk Professional will be a critical member of the Unsecured Consumer Lending 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. They will be expected to wear multiple hats, dealing with 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.

Primary responsibilities include:

• 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 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 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.

Qualifications:

• 3+ years of Credit Risk experience - preferably Consumer Lending.
• 3+ years of relevant experience in a quantitative role utilizing statistical programing 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 the following technologies required: Excel, 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.

Education:

• Bachelor’s degree in quantitative discipline required (Finance, Mathematics, Computer Science, Statistics, Engineering, etc.). 
• Masters/PhD in a quantitative discipline preferred.

Work Schedule:Hybrid - 1-2 days in office, other days work from home

• Hours per Week:40
• Work Schedule: Monday -Friday

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Equal Employment Opportunity

At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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.

Equal Employment and Opportunity Employer

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.