The Risk Analytics Sr. Manager will provide support to the Business Banking Credit Analytics team. The candidate will help ensure a comprehensive and compliant Credit Risk framework is effectively implemented, maintained, and communicated to stakeholders through utilization of efficient and varied delivery approaches.

The candidate will work with a wide range of internal stakeholders, including business line leadership, first- and second-line credit risk management, credit assurance functions, as well as internal support teams to manage key credit risk policy and control related-matters. Further, the candidate will support the BAU activities of the Business Banking Credit Analytics team and supporting continuous improvement therein.

The candidate will:

• Partner with business line and regulatory to understand their analytics needs; consult with IT and data teams to determine data source, and work with colleagues to ensure consistency of our approach with established standards.
• Support the preparation of both acquisition and portfolio management data for ingestion into our Experian Ascend Sandbox solution
• Be responsible for the compilation of monthly policy committee and forum meeting materials, including data collation and distribution of materials.
• Conduct semi-annual performance tracking for Card Overlimit Transactions
• Completed quarterly model performance reviews of all relevant Business Banking credit models
• Support the monitoring and review of CECL Loss Curve methodologies
• Participate in any credit model changes & implementation testing, as needed
• Prepare and present management report covering findings and identify trends/items of note.
• Actively engage in or support focused projects and initiatives, within and across Business Banking and engaging with external partners/stakeholders in support.
• Assist in overall group governance and administrative processes and tasks, including staff communications, records maintenance, and documentation management, security and access reviews, and special ad-hoc tasks as needed.
• Provide support for internal audits and assessments, and external and regulatory exams, including the collection of responsive materials and tracking of requests, engagement with Central Risk and testing functions.
• Support strategic solutions, when required, and provide timely remediation of data issues through effective root cause analysis.

Qualifications:

• 7+ years of financial services experience, with exposure to risk management processes and procedures.
• 7+ years Quantitative Skills – ability to develop and implement effective portfolio management routines that monitor KPIs, benchmark performance vs. peers, and identify emerging trends.
• 7+ years of relevant experience in a quantitative role utilizing statistical programing languages – SQL, VBA, SAS, R, or Python
• Extensive experience with analytical process automation
• Previous experience in a similar role within a financial services organization would be preferred
• 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.
• Time Management – ability to prioritize competing assignments and thrive in a fast-paced results orientated environment.
• Strong written and verbal communication skills
• Advanced use of MS Office Suite (Word, Excel, Access, PowerPoint)

Education/Certification:

• Bachelor’s degree in a quantitative discipline (e.g. Mathematics, Statistics, Engineering, Physics, Computer Science, Economics, Finance)
• Master’s degree in a quantitative discipline (e.g. Mathematics, Statistics, Engineering, Computer Science, Economics, Econometrics) Strongly Preferred

Hours and Work Schedule:

• 1-2 days in the office 3 remote
• Hours per Week: 40

Equal Employment Opportunity

At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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.

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