Risk Analytics Sr Manager

The Risk Analytics Senior Manager will support commercial credit risk governance and reporting across several inter-related fronts all of which in support of the growth and risk management of the Bank’s $60BN+ commercial lending portfolio.

The candidate will work with a wide range of internal stakeholders including first- and second-line credit risk management commercial risk credit assurance functions as well as internal support teams to manage key commercial credit risk policy and reporting elements enabling business and risk executives to evidence existing governing practices and manage ongoing risks proactively. 
The candidate will meet with credit officers and business line representatives in order to discuss evolving credit policy requirements including the specific terms of same as well as key management reporting required to evidence policy adherence and asset quality and will keep informed about updated regulatory and industry-related commercial policy matters to identify change requirements.
Key points of differentiation between the Senior Manager vs. junior team members within the wider Credit Portfolio Analytics & Reporting (CPAR) group include specific prior experience(s) in commercial credit underwriting approval policy and/or related functions; ability to be self-starting in staying on the forefront of best practices in the industry; leading analytical projects with minimal guidance; and performance of peer mentoring/tutelage responsibilities.  

Primary responsibilities include

• Administer the Bank’s Commercial Credit Policy (CCP) working closely with senior credit officers (including the Bank’s Chief Credit Officer & direct reports) and others in order to ensure CCP remains fit for purpose on a perpetual basis.  Specific responsibilities include/not limited to: full editorial/publication oversight of the Policy; change-related reporting including publication of internal change-related memoranda; service as first point of contact for Policy interpretation; and assurance of alignment between CCP and applicable credit standards risk appetite statements and supervisory expectations
• Participate and contribute to internal discussions on identified policy-related issues in review meetings with senior management; establish and execute upon management action plans to close self-identified gaps
• Lead the production of key management credit risk reporting in areas aligned to CCP adherence (e.g. Policy Exceptions; Hold Limit Exceptions) as well as various other facets of commercial asset quality.  Serve as subject matter expert on these concepts both for routine reporting as well as ad-hoc inquiries related to same working with Risk & Finance Data Solutions colleagues to ensure end-stakeholder requirements are met timely & accurately
• Act as a trusted partner to senior leaders by rapidly responding to high‑priority analytical requests. Frame ambiguous problems define the right analytical approach and deliver insights under tight timelines with minimal direction. Interpret trends and outliers in policy adherence exceptions and asset quality metrics to distinguish between business behavior policy design issues and emerging credit risk

• Serve as a bridge between complex quantitative modelling outcomes (CCAR CECL Asset Quality & Loss Forecasting) and senior‑level decision making. Synthesize model results assumptions and limitations into clear narratives that inform risk appetite capital and portfolio strategy discussions

  
  

Required Qualifications

• 8+ years of financial services experience with 4+ years’ experience in commercial credit relationship management underwriting/portfolio management credit approval credit policy commercial risk (first second or third-line) or similar functions

• Ability to be equally effective in performance of rote duties as well as high-touch analytical work depending on the needs of the given week/month/quarter
• Strong written and verbal communication skills
• Advanced use of MS Office Suite (Word Excel Powerpoint)  
• Familiarity with business intelligence tools such as Cognos Tableau WebFocus etc.
• Bachelor's Degree

Preferred Qualifications

• MS (Finance or related) MBA and/or advanced industry certification (e.g. CFA/FRM designations)

To thrive as a colleague at Citizens candidates must demonstrate a strong customer-centric mindset exhibit persistence and resilience in the face of challenges and embrace continuous learning to adapt and grow in a dynamic environment.

Hours and Work Schedule: (4 days in office 1 day remote)

Hours per Week: 40

Work Schedule: Monday-Friday

Pay Transparency

The salary range for this position is $128000-$146000 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 .

Citizens will not sponsor an applicant for a work visa such as an H-1B for this position.

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.

Equal Employment and Opportunity Employer

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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.

What We Do

As one of the oldest and largest financial services firms in the United States with a history dating back to 1828 we’re committed to providing solutions and expertise that support our customers clients colleagues and communities in what’s next on their own unique journey. We invest in the humans who build the logic ideas and innovations that bring new technologies to life. Investments in AI cloud computing machine learning and automation provide our engineers the tools that enable us to remain competitive and win in today’s environment. At Citizens we recognize that the journey to accomplishment is no longer linear and that individuals are made of all they have done and all they are going to do. Whether you’re considering banking with us or looking to work with us you’ll find a customer-centric culture and a supportive collaborative workforce at Citizens. You’re made ready and so are we. If you're ready to advance your career in technology and security learn more about opportunity's Citizens offers here: https://jobs.citizensbank.com/digital-transformation

Why Work With Us

We empower the colleagues that power our tech. With growth & upskilling opportunities and sought-after benefits plus a diverse culture of people and perspectives we help our colleagues achieve career goals. Because innovation can’t happen without the minds and hearts of our people. Technology is constantly evolving and we believe you can too.

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