Primary responsibilities include:

• Interface with partners across Product, Capital Markets, Operations, MSR, and Sales in support of strategic business initiatives and continuous optimization of credit strategy.
• Monitor origination and portfolio performance for the purposes of optimizing risk adjusted returns. Monitoring includes, but is not limited to, identifying deviations from expectations, diagnosing root cause, and proposing corrective actions.
• Develop business cases and credit policy recommendations and coordinate approval and implementation through internal governance.
• Exercise strategic vision to identify and drive credit optimization efforts.
• Own and manage the monitoring of existing processes to identify improvements that contribute to a more effective and efficient operating environment.
• Provide an independent assessment of the quality, quantity, direction, and overall credit risk in the organization through planned reviews.
• Manage small team of Credit Risk Professionals in support of the above.

Qualifications

• 5+ years of Consumer Credit experience - ideally aligned with Residential Mortgage/Equity lending.
• Strong interpersonal skills to establish credibility and build strong relationships with business partners in working on cross-functional projects.
• Strong presentation and communication skills, both written and verbal.
• Ability to manage multiple projects simultaneously under aggressive timelines.
• 3+ years of demonstrated application of quantitative skills in a lending environment.
• 3+ years of relevant experience in a quantitative role utilizing statistical programing languages - SAS preferred, R, or Python.
• Experience with data visualization such as Tableau.
• Ability to perform ad-hoc analysis, glean and form insights under aggressive timelines.
• Ability to drive actionable outcomes from analytical insight and effectively communicate findings and recommendations to business leadership.
• Ability to manage complexity/ambiguity and multiple initiatives.
• Track record of ownership, high degree of intellectual curiosity and a results-driven attitude.
• Exceptional problem-solving acumen with ability to think strategically.
• Prior management experience preferred.

Hours and Work Schedule

Hours per week: 40

Work Schedule: 8:00am -5:00pm, Monday - Friday

Position is hybrid in a Citizens office location, onsite 4 days/week.

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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.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

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.

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