Scored Loan and Line Performance Sr Analyst

The Scored Loan and Line Performance Sr Analyst will support Business Banking Risk Analytics by delivering hands-on quantitative analysis across the Loan and Credit line lifecycle. This role focuses on building and maintaining portfolio monitoring, developing insights on credit performance and exposure, and supporting strategy/decisioning changes through testing and post-implementation performance tracking 

Job Description:

• Build and maintain Scored Loan and Line performance monitoring across vintages/products using leading indicators (e.g., customers dropping below minimum deposit balance, delinquency days past due, % ever 30+, utilization, # cards overlimit).
• Enhance analytics for risky populations and support recurring tracking routines/insights for portfolio management actions.
• Support decisioning and underwriting platform changes by translating analytical findings into testable changes, coordinating standard testing/validation/sign-off, and tracking outcomes after implementation (e.g., decision rules and platform changes).
• Quantify tradeoffs of policy/limit actions using cohort performance analysis and produce clear, decision-ready summaries (e.g., performance differences by rating bands and expected impact framing).
• Prepare and deliver recurring reporting for risk forums/committees, including data collation, trend commentary, and “what changed / why it matters” narratives.
• Perform periodic model and methodology monitoring relevant to the portfolio (e.g., quarterly model performance reviews).
• Prepare acquisition and portfolio datasets for advanced analytics environments (including ingestion preparation for the Experian Ascend Sandbox solution, where applicable).

Qualifications:

• Demonstrated quantitative skills building portfolio monitoring routines, identifying emerging trends, and communicating findings to stakeholders.
• Proficiency with SQL; knowledge of additional statistical/programming language is preferred (Python, R, SAS, VBA). 
• Strong written/verbal communication skills; ability to create clear documentation and explain analytical results. 

Preferred Qualifications (Nice to have):

• Experience in business banking (or similar unsecured) portfolio analytics: vintage monitoring, delinquency/roll-rate style tracking, exposure and limit analytics.
• Experience supporting implementation/testing of underwriting/decisioning changes (including coordinating testing scenarios and post-implementation monitoring). 
• Experience preparing datasets for sandbox/hosted analytics environments (e.g., Experian Ascend Sandbox solution).

Education:

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

 Hours and Work Schedule: Hybrid - 4 days in the office 1 remote

• Hours per Week: 40
• Days: M-F

Pay Transparency 

• The salary range for this position is $130,000 - $150,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the 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 .

• Big Data Management and Analytics
• Business Data Analysis
• Customer Empowerment
• Data Analysis
• Data Engineering
• Data Governance
• Data Mining
• Data Visualization
• Diversity and Inclusion Practice
• Performance Measurement
• Strategic and Tactical Planning
• Technical Credibility