Data-Driven Home Equity Pricing & Risk Analyst

Citizens

Johnston (RI)

On-site

USD 77,000 - 103,000

Full time

3 days ago

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Job summary

Citizens is seeking a Credit Risk & Pricing Analyst to join our Home Equity Credit Risk & Pricing team. You will analyze pricing opportunities, assess profitability, and influence decisions across the Home Equity lending portfolio.

The ideal candidate brings 2+ years in pricing/analytics, strong financial modeling, and proficiency in SQL and Python, with the ability to present insights to senior stakeholders. This role offers exposure to leadership and cross-functional collaboration.

Qualifications

2+ years in pricing, profitability analysis, analytics, product management, or related quantitative role.
Strong analytical, financial modeling, and problem-solving skills with ability to translate data into actionable insights.
Experience with large datasets, recurring reporting, and executive-level presentations or business recommendations.
Strong communication and stakeholder management across business, finance, risk, product, marketing, and sales teams.

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 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.