Scored Loan and Line Performance Sr Analyst

Citizens • Johnston, RI

8d • $130,000 - $150,000 • Hybrid

About The Position

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

Requirements

• 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.

Nice To Haves

• 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).

Responsibilities

• 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).

Benefits

• 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 [https://jobs.citizensbank.com/benefits] .

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 5,001-10,000 employees