Strategic Pricing & Profitability Analyst (Home Equity)

Citizens; Shelton (CT); On-site; USD 77,000 - 103,000; Full time

Benefits offered by this job

Medical, dental and vision coverage

Retirement benefits

Education reimbursement

Flexible work arrangements

Job summary

Citizens is seeking a Credit Risk & Pricing Analyst to join our Home Equity Credit Risk & Pricing team. You will partner across Product, Operations, Sales, Credit Risk, Pricing, Marketing, Finance and Strategy to analyze opportunities, support pricing decisions, and influence outcomes in Home Equity lending.

You will build expertise in data analytics and performance drivers that inform pricing and credit strategy, leading analyses on profitability, portfolio performance, market trends, and

Qualifications

• 2+ years of experience in pricing, profitability analysis, financial analysis, analytics, product management, or a related quantitative role.
• Strong analytical, financial modeling, and problem-solving skills, with the ability to translate complex data into clear, actionable business insights.
• Experience working with large datasets, building recurring reporting, and developing executive-level presentations or business recommendations.
• Strong communication and stakeholder management skills, with the ability to partner effectively across business, finance, risk, product, marketing, and sales teams.
• Experience in consumer lending, banking, home equity, mortgage, or financial services preferred.
• Proficiency with SQL, Python, or similar analytical tools preferred.

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

Pricing analysis

Financial modeling

Data analytics

Stakeholder management

Cross-functional collaboration

Education

Bachelor’s degree in quantitative or business

Advanced degree a plus

Tools

SQL

Python

Job description

Citizens is seeking a Credit Risk & Pricing Analyst to join our Home Equity Credit Risk & Pricing team. You will partner across Product, Operations, Sales, Credit Risk, Pricing, Marketing, Finance and Strategy to analyze opportunities, support pricing decisions, and influence outcomes in Home Equity lending.

You will build expertise in data analytics and performance drivers that inform pricing and credit strategy, leading analyses on profitability, portfolio performance, market trends, and