Senior Home Equity Credit Risk & Pricing Strategist

Citizens

Cincinnati (OH)

Hybrid

USD 135,000 - 176,000

Full time

14 days+

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Job summary

Citizens is seeking a Senior Principal Credit Risk & Pricing Analyst to join the Home Equity Credit Risk organization, shaping risk, pricing, and portfolio strategies across both on-balance sheet and off-balance sheet channels.

The role blends analytics, portfolio management, and business strategy, partnering with Product, Finance, Operations, Technology, Compliance, Credit Policy, and Risk teams to translate insights into underwriting rules, governance, and scalable solutions.

Qualifications

7+ years of experience in Credit Risk, Portfolio Analytics, Pricing, Quantitative Risk Management, Credit Policy, or related disciplines.
5+ years of experience in consumer lending, preferably Home Equity, Mortgage, or other real estate-secured products.
Experience developing credit, pricing, underwriting, portfolio optimization, or risk management strategies.
Experience influencing credit policy, decision rules, underwriting guidelines, or process controls.
Experience leading process improvement, issue remediation, audit, regulatory, or governance initiatives.
Proven ability to present recommendations to senior leaders and cross-functional stakeholders.

Responsibilities

Develop and enhance acquisition, underwriting, pricing, line assignment, portfolio management, and account management strategies.
Monitor portfolio performance and identify emerging risks, recommending changes to underwriting standards, policies, and risk appetite.
Conduct analyses of credit performance, loss forecasting, utilization, profitability, customer behavior, and collateral trends.
Assess the impact of economic, housing market, property valuation, and consumer credit trends on portfolio performance.
Support risk governance activities, including regulatory exams, audits, compliance reviews, model governance, and executive reporting.
Partner with Product and Finance teams to evaluate growth opportunities, product enhancements, and portfolio retention strategies.
Analyze portfolio segments and origination strategies to optimize risk-adjusted returns and capital deployment.
Perform scenario and sensitivity analyses to inform business growth, capital planning, and balance sheet decisions.
Lead analyses supporting policy changes, credit box adjustments, and risk appetite modifications.
Investigate portfolio, operational, regulatory, audit, and data quality issues, driving root-cause analysis and remediation efforts.
Develop monitoring and control frameworks to evaluate the effectiveness of implemented changes.
Develop portfolio monitoring, forecasting, executive reporting, and performance measurement tools.
Build scalable analytical solutions using SQL, Python, R, Tableau, SAS, Snowflake, Power BI, Databricks, or similar platforms.
Leverage internal, bureau, property, valuation, and third-party data to enhance credit and pricing strategies.
Identify opportunities to improve decision-making, automation, and operational efficiency through advanced analytics and emerging technologies.
Communicate complex analytical findings and recommendations to senior leaders and stakeholders.
Serve as a trusted advisor and subject matter expert across Credit Risk, Product, Finance, Operations, Technology, and Compliance.
Lead cross-functional initiatives and influence strategic decision-making through data-driven insights.
Mentor junior analysts and promote analytical, governance, and documentation best practices.