Hybrid Credit Risk & Pricing Analyst - Home Equity

Citizens Financial; United States; Hybrid; USD 77,000 - 103,000; Full time

Job summary

Citizens Financial seeks a Credit Risk & Pricing Analyst for the Home Equity Credit Risk & Pricing team. Analyze profitability, pricing strategies, and portfolio performance to drive growth and strong returns across Home Equity products.

You will partner with Product, Operations, Sales, Credit Risk, Pricing, Marketing, Finance and Strategy to build data-driven insights, prepare executive-ready reports, and influence pricing decisions that balance risk and reward.

Qualifications

• 4+ years of pricing, profitability analysis, financial analytics, or related quantitative role.
• Strong analytical, financial modeling, and problem-solving skills; translate data into actionable insights.
• Experience with large datasets, recurring reporting, and executive-level presentations.

Responsibilities

• Develop profitability analyses, financial models, and decision-support tools to evaluate pricing strategies, product changes, and business initiatives.
• Monitor Home Equity portfolio performance: volume, yield, margin, credit quality, profitability, and trends.
• Conduct market and competitive intelligence to assess pricing position and opportunities.
• Support pricing recommendations through data-driven insights, scenario analysis, and business case development.
• Create executive-level reporting, dashboards, and presentations communicating trends and insights.
• Partner with cross-functional stakeholders to evaluate, implement, and measure pricing initiatives.
• Maintain recurring reporting processes and analytical tools for portfolio decision-making.
• Identify opportunities to improve profitability and customer outcomes through pricing optimization and segmentation.

Skills

SQL

Python

Data analysis

Financial modeling

Stakeholder management

Education

Bachelor's degree in quantitative or business discipline

Advanced degree a plus

Tools

Excel

Job description

Citizens Financial seeks a Credit Risk & Pricing Analyst for the Home Equity Credit Risk & Pricing team. Analyze profitability, pricing strategies, and portfolio performance to drive growth and strong returns across Home Equity products.

You will partner with Product, Operations, Sales, Credit Risk, Pricing, Marketing, Finance and Strategy to build data-driven insights, prepare executive-ready reports, and influence pricing decisions that balance risk and reward.