Collections & Default Strategy Data Analyst

At Citizens, we’re more than a bank and here you’ll experience new things, create new opportunities, think beyond your role and make an impact. While in this role, you will support the delivery of expert support and advice to the business on risk management. It is important to note that you will also participate in interpreting and complying with the risk policy standards, laws, regulations, and risk management framework. Most importantly, you’ll feel valued for who you are and supported to achieve what’s Important to you, personally and professionally!

As the Collection & Default Strategy Sr Professional, you will monitor performance for the Student Loan portfolio, design risk-based segmentation, enhance operational treatment strategies, and drive incremental, long-term improvement. Working closely with Collections Leadership and Agency Performance Management, you will evolve outreach and treatment strategies with the objective of increasing customer response and positively impacting the bottom line. This position requires you to develop analytical routines to identify new opportunities, adhoc analytics to formulate new strategies, and become a subject matter expert, advising our businesses partners, on effective ways to improve loss performance, lower expenses, implement best practices, all of which, align to our Citizens brand.

Primary responsibilities include

• Prepare and present Student performance findings and action items to leaders in Strategy, Collections, Credit Risk and Product 

• Develop and implement strategic enhancements to improve performance 

• Maintain and enhance robust performance tracking and reporting

• Partner with Credit Risk, Product, and Finance to align on expected performance driven by strategic initiatives

Qualifications, Education, Certifications and/or Other Professional Credentials

• 3-5 years of experience in collections analytics and/or credit risk analytics

• SAS / Enterprise Guide / SQL or other data mining experience

• Advanced MS Office skills, particularly with PowerPoint

• Strong presentation, influencing and negotiation skills

• Strong statistical background or experience in measuring operational strategies

• Strong organization and project management skills and the ability to partner with various

• internal stakeholders

• Ability to connect and effectively communicate with people of all levels and functions

• Able to thrive and prioritize in a changing environment

• Bachelor’s degree in a quantitative study preferred (Math, Finance, Science etc.)

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: M-F, 8A to 5P

Work Authorization: This role is not eligible for new employer‑sponsored or current H-1 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.

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