Description This is a position within the Consumer Lending Pricing & Profitability group, supporting the Home Equity business line. The Pricing & Profitability Analyst is responsible for business analytics, reporting, and profitability modeling to support the development of pricing recommendations and execution of pricing and product strategies. The successful candidate will need to have strong reporting and analytical skills in order to summarize large data sets into actionable insights based on financial and business indicators, and the ability to work with the business on improving business performance and delivering on strategic objectives. Key Responsibilities: + Monitor originations and return trends to set expectations for month end performance results and to support the development of pricing recommendations as needed + Provide competitive benchmarking reporting to inform the business of application, origination, and pricing trends in the marketplace + Support targeted pricing strategies by providing performance results at the pricing segment and channel level + Provide data and analytics to help evaluate financial and business impact of pricing changes and strategic initiatives + Work with Marketing and Product partners to evaluate the effectiveness of acquisition and retention campaigns + Provide portfolio analytics related to attrition and utilization trends by segment + Maintain projected profitability model - document, validate, and update inputs/assumptions as needed + Update pricing files and support rate change implementation efforts + Develop management presentations and business reviews Qualifications: + 3+ years of experience in quantitative, financial and/or pricing analytics + Knowledge of accounting and finance concepts and techniques + Skilled in software applications + Experience with data extraction and manipulation + Excellent analytical and research skills, ability to interpret financial and business results to identify trends + Strong communication and presentation skills + Ability to work independently but also collaborate productively on team projects Qualifications, Education, Certifications and/or Other Professional Credentials + Bachelor's degree in economics, finance, or business administration Hours & Work Schedule + Hours per Week: 40 + Work Schedule: M-F 8-5 Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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. Equal Employment and Opportunity Employer Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates. 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. 12/31/2024