Credit Risk Professional (Card)

Citizens • Newark, DE • 13h ago

Description

Citizens Bank is looking for highly quantitative, results oriented individual to build and optimize credit strategies in support of its Credit Card business. In this role, you will be responsible for delivering analysis and recommendations across lifecycle activities of the Mortgage business. The ideal candidate will leverage exceptional analytical and data skills to work with large data sets and seek actionable insights that drive strategic decisions. You will also assist in the management of the bank's lending portfolio, implementing decision rules and strategies, and monitoring product performance to identify opportunities for improvement.

Primary responsibilities include:

Use advanced analysis techniques and tools such as R, Python and SAS to develop and maintain credit strategies that optimize risk/reward tradeoffs for the Credit Card product.

Interface with partners across Product, Marketing, Data Science, IT, Finance and Operations to deliver strategic business initiatives and continuous optimization of credit strategies.

Monitor origination and portfolio performance for the purpose of optimizing returns. Monitoring includes, but is not limited to identifying deviations from expectations, diagnosing root cause, and proposing corrective actions.

Leverage intellectual curiosity to identify and drive credit optimization efforts.

Qualifications

Bachelor's degree in a quantitative field (Statistics, Economics, Science, Math, Finance, Engineering), or a related field. Advanced degree preferred.

2+ years of demonstrated application of quantitative skills in a business environment. Experience in a lending business preferred

2+ years of experience utilizing statistical programing languages - R, Python or SAS

Experience extracting and manipulating data with SQL

Strong interpersonal skills to establish credibility and build strong relationships with business partners.

Strong presentation and communication skills, both written and verbal

Experience with data visualization tools such as Tableau.

Track record of ownership, high degree of intellectual curiosity and a results-driven attitude.

Exceptional problem-solving acumen with ability to think strategically.

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.

09/30/2025

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