Senior Personal Loans Pricing & Profitability Analyst

Financialjobbank; Wilmington (DE); On-site; USD 110,000 - 144,000; Full time

Benefits offered by this job

Medical, dental and vision coverage

Retirement benefits

Education reimbursement

Flexible work arrangements

Paid time off policy exceeds local law

Job summary

Citizens seeks a Senior Pricing & Profitability Analyst for personal loans to join the Credit Risk & Pricing team. You will design pricing models, deliver profitability analyses, and build automated dashboards to monitor trends and performance.

The role requires strong analytics, SQL/SAS proficiency, Tableau experience, and clear communication with leadership. You will work on pricing decisions across unsecured lending, leveraging market and credit risk insights to optimize profitability and

Qualifications

• Bachelor's degree in Business/Finance, Economics, Analytics, or related discipline is required.
• Master's degree preferred.

Responsibilities

• Develop and execute pricing strategies for consumer lending portfolios, delivering pricing recommendations, profitability analyses, and governance oversight to support business growth and risk objectives.
• Own pricing and profitability modeling, including performance reporting, forecasting, back-testing, model validation, and documentation of key assumptions and methodologies.
• Deliver advanced analytics and strategic insights by analyzing customer behavior, price elasticity, application funnel performance, portfolio trends, credit performance, and opportunities to optimize pricing and profitability outcomes.
• Utilize internal, bureau, and market data to identify trends, monitor portfolio performance, and provide insights that support pricing and risk-based decision making.
• Build and automate reporting solutions using Tableau, Excel, SAS, SQL, or Python, creating scalable dashboards and data pipelines to monitor pricing, profitability, and portfolio performance.
• Partner with cross-functional stakeholders to manage multiple pricing initiatives, enhance reporting infrastructure, and drive continuous process improvements.
• Prepare executive-level presentations and recommendations, translating complex data into actionable insights that support financial decision-making, profitability optimization, and long-term business strategy.

Skills

SQL

SAS

Tableau

Excel

Financial modeling

Credit risk concepts

Communication

Pricing analytics

Data visualization

Education

Bachelor's degree in Business/Finance/Economics/Analytics

Master's degree preferred

Tools

Python

Job description

Citizens seeks a Senior Pricing & Profitability Analyst for personal loans to join the Credit Risk & Pricing team. You will design pricing models, deliver profitability analyses, and build automated dashboards to monitor trends and performance.

The role requires strong analytics, SQL/SAS proficiency, Tableau experience, and clear communication with leadership. You will work on pricing decisions across unsecured lending, leveraging market and credit risk insights to optimize profitability and