Job Description

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

Required Qualifications

Preferred Qualifications

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 $128,000-$146,000 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 .

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

Job Applicant Data Privacy Policy

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.