Strategic Pricing & Credit Risk Analyst

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

Benefits offered by this job

Medical, dental and vision coverage

Retirement benefits

Maternity/paternity leave

Flexible work arrangements

Education reimbursement

Wellness programs

Paid time off policy

Job summary

Citizens Bank is seeking a Credit Risk & Pricing Analyst to join our Home Equity Credit Risk & Pricing team and help support strategies that drive growth, profitability, and strong portfolio performance.

You will partner across Product, Operations, Sales, Credit Risk, Pricing, Marketing, Finance and Strategy to analyze opportunities, support pricing decisions, and influence outcomes for Home Equity. The role emphasizes data, analytics and clear, executive-ready recommendations.

Qualifications

• 4+ years of pricing, profitability analysis, or related analytics experience.
• Ability to translate data into actionable business insights.
• Experience presenting to senior stakeholders.

Responsibilities

• Develop profitability analyses, financial models, and decision-support tools to evaluate pricing strategies, product changes, and business initiatives
• Monitor Home Equity portfolio performance, including volume, yield, margin, credit quality, profitability, and emerging business trends
• Conduct market and competitive intelligence to assess pricing position, identify growth opportunities, and support portfolio return objectives
• Support pricing recommendations through data-driven insights, scenario analysis, sensitivity testing, and business case development
• Create executive-level reporting, dashboards, and presentations that clearly communicate performance trends, pricing insights, and strategic recommendations
• Partner with cross-functional stakeholders to evaluate, implement, and measure pricing initiatives across the Home Equity business
• Maintain and enhance recurring reporting processes, analytical tools, and performance management routines to support ongoing portfolio decision-making
• Identify opportunities to improve profitability, competitiveness, and customer outcomes through pricing optimization, segmentation, and process enhancements

Skills

Analytical skills

Communication

Pricing experience

Consumer lending experience

Education

Bachelor's degree in quantitative or business field

Advanced degree a plus

Tools

SQL

Python

Job description

Citizens Bank is seeking a Credit Risk & Pricing Analyst to join our Home Equity Credit Risk & Pricing team and help support strategies that drive growth, profitability, and strong portfolio performance.

You will partner across Product, Operations, Sales, Credit Risk, Pricing, Marketing, Finance and Strategy to analyze opportunities, support pricing decisions, and influence outcomes for Home Equity. The role emphasizes data, analytics and clear, executive-ready recommendations.