Sr. Collections Reporting Analyst

Job Title

Senior Collections Reporting Analyst

Job Description

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!

The Senior Collections Reporting Analyst is responsible for driving performance measurement, reporting, and analytical support for the FCRA Operations function within Consumer Specialty Operations. This role partners closely with Operations leadership and Consumer Reporting Agencies (CRAs) to ensure accurate, compliant, and timely credit bureau reporting, including data extracts, tradeline testing, Metro2 submissions, and capacity reporting and forecasting.

The ideal candidate brings strong analytical acumen, deep understanding of credit bureau reporting, and the ability to translate complex operational processes into actionable data insights with minimal supervision.

Primary responsibilities include

• Lead the development and ongoing maintenance of trended industry and performance intelligence to baseline and evaluate collections and recovery outcomes.
• Partner closely with FCRA Operations stakeholders to develop a deep understanding of end-to-end processes and translate business nuances into clear data requirements supporting analytics, modeling, and reporting.
• Independently perform data-driven problem solving to support FCRA Operations, identifying risks, trends, and improvement opportunities.
• Manage data mining, validation, and submission of Metro2 files in support of regulatory compliance and business objectives.
• Develop and maintain capacity reporting and forecasting in support of operational planning.
• Design and deliver visual, executive-ready reporting and dashboards in Tableau to communicate performance and key drivers.
• Apply industry best practices and regulatory standards to ensure accuracy, consistency, and compliance in all reporting outputs.
• Collaborate effectively with internal partners and external stakeholders, including CRAs.
• Mentor and provide guidance to junior analysts, as applicable.

Qualifications, Education, Certifications and/or Other Professional Credentials

510 years of experience in the financial services industry.

510 years of operations and/or operational analytics experience.

25 years of hands-on coding or data analytics experience.

Demonstrated conceptual and practical knowledge of credit bureau reporting, including FCRA requirements.

Strong proficiency in SAS (reading and writing code).

Experience with Metro2 file processing and submissions (preferred).

Proven ability to apply critical thinking and quantitative techniques to solve complex business problems.

Strong communication skills with the ability to clearly articulate business concepts and key drivers to senior management and diverse stakeholders.

Collaborative mindset with experience partnering across teams and functions.

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: Monday - Friday 8a-5p

Required Skills

• Customer Journey Orchestration
• Diversity and Inclusion (D&I) Strategy and Policy

About Us

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.