VP - Home Mortgage - Capital Markets Portfolio Strategy

Citizens Financial Group, Inc.•Glen Allen, VA

44d•Onsite

About The Position

The VP - Home Mortgage - Capital Markets Portfolio Strategy leads the development of cross-functional analytics, modeling, and management reporting to inform strategic recommendations on margin management, MSR valuation, recapture and lead generation, CRA performance, and related areas. This role integrates data analytics, business strategy, and compliance, transforming complex and diverse data sources into actionable intelligence that drives successful outcomes across multiple initiatives. The ideal candidate will possess deep expertise in residential mortgage origination and analytics and demonstrate the ability to collaborate effectively with mortgage and consumer banking teams to exchange information and promote accountability. This position requires frequent engagement with senior leadership, including regular presentations of findings and strategic recommendations. Exceptional presentation and communication skills are essential for success in this role.

Requirements

Advanced Data Analytics: Expertise in Microsoft SQL for complex data extraction, transformation, and analysis across multiple data sources
Visualization Expertise: Tableau (or other reporting tool) development skills including calculated fields, parameters, LOD expressions, and dashboard optimization
Statistical Analysis: Understanding of automation and/or predictive analytics using tools such as Python or PowerShell
Database Management: Experience with data warehouse concepts, ETL processes, and working with large datasets / databases
Microsoft Office Mastery: Expert Excel skills including complex formulas, pivot tables, macros, VBA, and financial modeling; Advanced PowerPoint capabilities for executive presentations
Knowledge of HMDA data requirements, geocoding methodologies, and fair lending principles
Deep understanding of drivers impacting mortgage asset performance
Deep understanding of drivers impacting mortgage borrower/customer behavior.
Strategic thinking capabilities to identify market opportunities and develop innovative CRA solutions
Project management skills to lead complex, cross-functional initiatives
Change management expertise to drive adoption of new processes and technologies
Exceptional written and verbal communication skills with ability to distill complex regulatory and analytical concepts for diverse audiences
Executive presence and confidence to present to senior leadership and board members
Strong interpersonal skills to build relationships across organizational boundaries
Minimum 10 years of progressive experience in banking, mortgage lending, or financial services with direct exposure to data analytics
Demonstrated expertise in data analysis and reporting with proven ability to work with large, complex datasets from multiple sources
Hands-on experience with mortgage lending data including loan-level origination data, servicing data, and secondary market execution metrics
Track record of developing executive-level reports and presentations that drive strategic decision-making
Experience supporting regulatory examinations or audits with data analysis and documentation
Proven ability to manage multiple complex projects simultaneously while meeting strict regulatory deadlines

Nice To Haves

Previous experience working with and / or tracking data related to CRA requirements or similar regulatory compliance role within a depository institution
Prior involvement in capital markets operations and secondary mortgage markets.
Prior quantitative work with mortgage servicing rights and recapture analysis.
Track record of implementing process improvements or system enhancements that improved analytical capabilities

Responsibilities

CRA Data Integration, Analysis, and Reporting: Develop and maintain CRA tracking systems that consolidate data from diverse sources. Build models to monitor lending performance and automate data validation for accuracy. Create Tableau dashboards to visualize CRA metrics and produce reports that highlight key trends, risks, and opportunities (20%)
Ex-Ante Customer Behavior Analysis: Develop analytics and models to enhance pricing margin management and mortgage asset valuation at the customer level. Focus areas include borrower behavior in the MSR portfolio (particularly refinance responsiveness impacting perceived lead quality and price elasticity) and correspondent seller performance, including delivery profiles and MSR performance. (20%)
MSR Prepayment & Default Projections: Assess Citizens' MSR and whole loan assets, both existing balance sheet and new production, to identify cohorts with elevated runoff or default risk under specific economic scenarios. Recommend potential liquidation and/or future acquisition strategies based on risk insights. (20%)
Executive Dashboard Creation: Design and maintain executive dashboards in Tableau to support performance tracking and strategic decision-making. Ensure dashboards deliver clear insights at a high level, with options for granular data exploration and deeper analysis aligned with organizational priorities. (20%)
Ad Hoc Analytics: Rapidly develop analytics to support real-time decision-making and ad hoc initiatives. Continuously manage and adapt insights to reflect evolving discussions and changing environments. (20%)

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.

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