Business Banking Credit Card Senior Analyst
Citizens, Johnston, RI, United States
Overview
The Business Banking Credit Card Senior Analyst will support Business Banking Risk Analytics by delivering hands-on quantitative analysis across the credit card 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. Responsibilities
Build and maintain Business Banking Credit Card performance monitoring across vintages/products using leading indicators (e.g., customers dropping below minimum deposit balance, delinquency days past due, % over 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). Qualifications
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. Experience with implementing developing and implementing card strategies. Knowledge of common Credit Card systems (TSYS and TRIAD). Preferred Qualifications (Nice To Have)
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). Education
Bachelor’s degree in a quantitative discipline (e.g., Mathematics, Statistics, Engineering, Physics, Computer Science, Economics, Finance). Hours and Work Schedule
Hybrid - 4 days in the office, 1 remote Hours per Week: 40 Days: M-F Work Authorization
This role is not eligible for new employer-sponsored or current H1 B visa holders. Applicants, including current OPT, L and other visa holders, must be authorized to work in the U.S. without the need for new employer sponsorship for themselves or their spouses now and in the future. Pay Transparency
The salary range for this position is $130,000 - $150,000 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 . 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.
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The Business Banking Credit Card Senior Analyst will support Business Banking Risk Analytics by delivering hands-on quantitative analysis across the credit card 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. Responsibilities
Build and maintain Business Banking Credit Card performance monitoring across vintages/products using leading indicators (e.g., customers dropping below minimum deposit balance, delinquency days past due, % over 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). Qualifications
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. Experience with implementing developing and implementing card strategies. Knowledge of common Credit Card systems (TSYS and TRIAD). Preferred Qualifications (Nice To Have)
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). Education
Bachelor’s degree in a quantitative discipline (e.g., Mathematics, Statistics, Engineering, Physics, Computer Science, Economics, Finance). Hours and Work Schedule
Hybrid - 4 days in the office, 1 remote Hours per Week: 40 Days: M-F Work Authorization
This role is not eligible for new employer-sponsored or current H1 B visa holders. Applicants, including current OPT, L and other visa holders, must be authorized to work in the U.S. without the need for new employer sponsorship for themselves or their spouses now and in the future. Pay Transparency
The salary range for this position is $130,000 - $150,000 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 . 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.
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