Private Bank Pricing Profitability Analyst at Citizens

Boston, Massachusetts, United States -

Full Time

Start Date

Immediate

Expiry Date

21 Jul, 26

Salary

108000.0

Posted On

22 Apr, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Financial modeling, Pricing analytics, Profitability analysis, Data analysis, SQL, Excel, Business intelligence tools, Back-testing, Assumption validation, Market analysis, Reporting, Governance, Risk management, Quantitative analysis, Cross-functional collaboration

Industry

Financial Services

Description

ROLE SUMMARY The Private Bank Pricing & Profitability Analyst provides advanced analytical and modeling support to the Private Bank Pricing & Profitability team. This role is responsible for building, maintaining, and testing pricing and profitability models; producing competitive and performance analytics; and supporting pricing governance and reporting processes. The Analyst works closely with Pricing & Profitability Managers, Finance, Product, and Risk partners to ensure pricing assumptions are accurate, well-documented, and supported by rigorous data analysis. This role does not set pricing strategy or approve pricing decisions, but plays a critical role in enabling disciplined, data-driven pricing outcomes across the Private Bank’s lending and deposit products. KEY RESPONSIBILITIES PRICING & PROFITABILITY ANALYTICS • Build, maintain, and enhance pricing and profitability models for Private Bank lending and deposit products. • Perform detailed analysis of balances, yields, spreads, margins, returns, and client-level economics. • Support development of pricing pro formas and what-if analyses for new initiatives and pricing changes. BACK-TESTING & ASSUMPTION VALIDATION • Perform back-testing of pricing assumptions, approved deals, and modeled outcomes versus actual performance. • Identify variances, trends, and root causes; summarize findings for Pricing & Profitability Managers. • Maintain clear documentation of assumptions, methodologies, and supporting data sources. COMPETITIVE & MARKET ANALYSIS • Gather and organize competitive pricing data across markets, products, and client segments. • Support analysis of competitive positioning and pricing dispersion. • Monitor market trends that may influence Private Bank pricing strategies. REPORTING & EXECUTIVE MATERIALS • Produce recurring and ad-hoc reports and dashboards supporting pricing, profitability, and portfolio performance. • Prepare analytical content for pricing committees, governance forums, and executive presentations. • Ensure metrics and reporting are accurate, consistent, and aligned with approved methodologies. GOVERNANCE & PROCESS SUPPORT • Support pricing governance processes by preparing data, analysis, and documentation required for approvals. • Assist with model risk management, audit requests, and validation documentation. • Ensure analytical processes comply with established controls, policies, and documentation standards. CROSS-FUNCTIONAL COLLABORATION • Partner with Finance, Risk, Product, and Operations teams to source data and validate analytical outputs. • Support Pricing & Profitability Managers as the primary analytical contributor on cross-functional initiatives. • Contribute to continuous improvement of pricing analytics tools, models, and processes. ROLE BOUNDARIES • Does not set pricing strategy or approve pricing decisions. • Does not negotiate pricing or interact directly with clients. • Pricing authority and governance ownership remain with Pricing & Profitability Managers and leadership. QUALIFICATIONS • Experience in analytics, pricing, profitability, finance, or related roles within banking or financial services. • Strong quantitative and analytical skills; ability to work with large, complex data sets. • Experience with Excel, SQL, BI tools, or other analytics platforms as applicable. • Strong attention to detail and documentation discipline. • Ability to translate complex analysis into clear insights for senior stakeholders. • Collaborative mindset and comfort working in a regulated, governance-driven environment. Hours & Work Schedule * Hours per Week: 40 * Work Schedule: M-F 8:00-5:00 * In office 4 days at one of the location(s) listed required/1 day work from home Pay Transparency The salary range for this position is $78,000 - $108,000 per year. 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 [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. Equal Employment and Opportunity Employer Job Applicant Data Privacy Policy [https://jobs.citizensbank.com/Job-Applicant-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.

Responsibilities

The analyst is responsible for building and maintaining pricing and profitability models for lending and deposit products while performing detailed performance analytics. They also support pricing governance, back-testing of assumptions, and the preparation of executive materials for pricing committees.