Senior Pricing & Profitability Analyst — Data-Driven Impact

Citizens; Johnston (RI); On-site; USD 110,000 - 144,000; Full time

Job summary

Citizens is seeking a Senior Pricing & Profitability Analyst for the personal loans portfolio. You will design pricing models, deliver profitability analyses, and build dashboards to monitor trends. The role partners with Risk, Finance and business teams to optimize decisions and reporting.

You will explain credit risk insights and business outcomes to senior leadership, driving pricing improvements, governance and strategic initiatives in a fast-paced environment.

Qualifications

• 3+ years in an analytically driven role such as pricing, credit risk, consulting or analytics.
• Experience with SQL, SAS or other scripting languages.
• Experience with data analytics and Tableau visualization.
• Financial modeling experience preferred.
• Understanding of consumer credit risk concepts and profitability metrics.
• Ability to translate data into actionable leadership recommendations.

Responsibilities

• Develop pricing strategies for consumer lending and provide profitability analyses.
• Own pricing and profitability modeling, including forecasting and validation.
• Deliver advanced analytics on customer behavior, price elasticity, and portfolio trends.
• Use internal and external data to monitor performance and insights.
• Build automated reporting with Tableau, Excel, SAS, SQL or Python.
• Collaborate with stakeholders to manage pricing initiatives and improve reports.
• Prepare executive-ready presentations and strategic recommendations.

Skills

Pricing

Credit Risk

Analytics

SQL

SAS

Tableau

Financial Modeling

Communication

Problem Solving

Time Management

Education

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

Master's degree

Tools

Tableau

SQL

SAS

Job description

Citizens is seeking a Senior Pricing & Profitability Analyst for the personal loans portfolio. You will design pricing models, deliver profitability analyses, and build dashboards to monitor trends. The role partners with Risk, Finance and business teams to optimize decisions and reporting.

You will explain credit risk insights and business outcomes to senior leadership, driving pricing improvements, governance and strategic initiatives in a fast-paced environment.