Sr Credit Risk & Pricing Analyst - Personal Loans

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

Job summary

Citizens is seeking a Senior Pricing & Profitability Analyst for personal loans to join the Credit Risk & Pricing team in Wilmington, DE. The role focuses on developing pricing and profitability strategies across the unsecured consumer lending portfolio, building pricing models and dashboards, and delivering analyses to support governance and strategic decisions.

The role requires 3+ years in analytic roles and proficiency with SQL, SAS, and Tableau.

Qualifications

• Bachelor's degree in business/finance/economics or analytics.
• Master's degree preferred.
• 3+ years in an analytically driven role (pricing, risk, analytics).
• Proficiency with SQL, SAS, or similar.
• Experience with Tableau for visualization.
• Strong understanding of credit risk concepts.

Responsibilities

• Develop pricing strategies and profitability analyses for consumer lending.
• Own pricing and profitability modeling, reporting, and documentation.
• Deliver advanced analytics on customer behavior, price elasticity, and portfolio trends.
• Utilize internal and external data to monitor pricing and risk-adjusted profitability.
• Build automated dashboards and data pipelines with Tableau, Excel, SAS, SQL, or Python.
• Collaborate with cross-functional partners and prepare executive-level recommendations.

Skills

Pricing & profitability analytics

Credit risk concepts

Data analytics & visualization

Executive communication

Self-starting / time management

Education

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

Master's degree preferred

Tools

SQL

SAS

Tableau

Python

Job description

Description

The Senior Pricing & Profitability Analyst for personal loans is a key member of the Credit Risk & Pricing team, responsible for developing pricing and profitability strategies across the unsecured consumer lending portfolio. The role designs and maintains pricing models, delivers profitability analyses, develops pricing recommendations for business partners and Pricing Committee approval, and builds automated dashboards to monitor performance and profitability trends. The analyst leverages market, competitive, portfolio, and credit risk insights to optimize pricing decisions and serves as the primary pricing data liaison for enterprise initiatives, supporting data modernization, advanced analytics, and scalable pricing capabilities. It is also important to understand and communicate credit trends, portfolio performance, and key risk and profitability metrics.

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.

Required Skills/Experience

• 3+ years of experience in an analytically driven role: Pricing, Credit Risk, Consulting, Analytics, Finance (unsecured lending experience is a plus).
• Experience with SQL, SAS, or other programming/scripting languages preferred.
• Experience with data analytics and visualization tools such as Tableau.
• Experience in financial modeling is preferred.
• Understanding of consumer credit risk concepts, portfolio performance metrics, and risk‑adjusted profitability analysis.
• Ability to drive actionable outcomes from analytical insight and effectively communicate findings and recommendations to business leadership.
• Exceptional problem‑solving acumen with ability to think strategically.
• Ability to be a self‑starter with a thirst for knowledge.
• Time Management: Ability to prioritize competing assignments and thrive in a fast‑paced, results‑oriented environment.

Education, Certifications and/or Other Professional Credentials

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

Work Schedule

• 40 Hours per Week:
• Work Schedule: 8:30am - 5:00pm, Monday - Friday

Pay Transparency

The salary range for this position is $110,000- $144,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time‑away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits .

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Why Work for Us

At Citizens, you'll find a customer‑centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

10/31/2026