Sr Credit Risk & Pricing Analyst - Personal Loans

Citizens Bank
Charlotte, Wilmington
Workplace: OnsiteFull timeUSD 110,000 - 144,000 annuallyFunction: Banking, Lending & CreditExperience: 3+ yearsEducation: bachelorsSkills: ["Strategic thinking","Problem-solving","Communication","Time management","Self-starter"]

Develop and execute pricing and profitability strategies for unsecured consumer lending, owning pricing and profitability modeling with performance reporting, forecasting, back-testing, and model validation. Deliver advanced analytics on customer behavior, price elasticity, funnel performance, and credit trends to guide pricing decisions and risk-adjusted profitability. Build automated Tableau dashboards and pipelines, and partner with cross-functional stakeholders to drive continuous process improvements.

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Citizens Bank
Citizens Bank
1 month ago

Sr Credit Risk & Pricing Analyst - Personal Loans

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Source: Company careers pageValidated by: Fursa AI
Last checked: 14 hours agoStatus: Live

Job Summary

Develop and execute pricing and profitability strategies for unsecured consumer lending, owning pricing and profitability modeling with performance reporting, forecasting, back-testing, and model validation. Deliver advanced analytics on customer behavior, price elasticity, funnel performance, and credit trends to guide pricing decisions and risk-adjusted profitability. Build automated Tableau dashboards and pipelines, and partner with cross-functional stakeholders to drive continuous process improvements.
Location: Charlotte, Wilmington
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Mid level

Key Responsibilities

  • •Develop and execute pricing strategies, delivering pricing recommendations, profitability analyses, and governance oversight to support growth and risk objectives.
  • •Own pricing and profitability modeling, including performance reporting, forecasting, back-testing, model validation, and documentation of assumptions and methodologies.
  • •Analyze customer behavior, price elasticity, application funnel performance, portfolio trends, and credit performance to identify opportunities to optimize profitability.
  • •Use internal, bureau, and market data to monitor portfolio performance and provide insights for pricing and risk-based decision making.
  • •Build automated reporting solutions and scalable dashboards/pipelines; partner with stakeholders on pricing initiatives and executive presentations.

Pay and Benefits

Salary: USD 110,000 - 144,000 annually
Perks:Health InsuranceDentalVisionRetirement BenefitsParental LeaveLearning BudgetWellness Stipend

Key Requirements

  • •3+ years of experience in an analytically driven role across pricing, credit risk, consulting, analytics, or finance (unsecured lending experience is a plus).
  • •Experience with SQL, SAS, or other programming/scripting languages, and data analytics/visualization tools such as Tableau.
  • •Strong understanding of consumer credit risk concepts, portfolio performance metrics, and risk-adjusted profitability analysis.
  • •Experience with financial modeling is preferred, including performance reporting, forecasting, and back-testing.
  • •Ability to communicate recommendations and drive actionable outcomes from analytical insight to business leadership.
Experience:3+ yearsUnsecured lendingConsumer credit
Education:Bachelor's
Skills:Strategic thinkingProblem-solvingCommunicationTime managementSelf-starter
Languages:English
Tech Stack:TableauExcelSASSQLPython

Company Brief

Citizens Bank
Regional bank offering retail and commercial banking, mortgage lending, wealth management, and payment services to individuals and businesses across the United States.
Industry: Banking
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Providence, United States
Founded: 1828
Website