Principal Credit Risk & Pricing Analyst

Citizens Financial Group, Inc. (CFG) seeks a Principal Credit Risk & Pricing Analyst for its Plano, Texas location.

Responsibilities:

•    Responsible for leading analytical work that directly shapes credit strategy across consumer lending portfolios. 
•    Translate complex data into clear, defensible recommendations, influence senior level decision making, and drive strategy through implementation. 
•    Lead development of credit risk strategies across the consumer lending portfolios, including originations, account management, and loss mitigation. 
•    Synthesize internal, bureau, and alternative data to identify portfolio trends, emerging risks, and strategic opportunities. 
•    Develop and deliver recurring reporting and strategic insights for senior leadership and business partners. 
•    Translate analytical findings into clear, actionable recommendations, including articulating tradeoffs and defending points of view under scrutiny. 
•    Partner with Product, Finance, and Technology to operationalize credit strategies effectively. 
•    Serve as a subject matter resource and informal mentor to junior analysts on the team.

Qualifications:

Requires a Master’s degree in Mathematics, Finance, Risk Management, or related and 5 years of experience as a Senior Actuarial Analyst, Principal Credit Risk Pricing Analyst, or related position.

Must have 5 years of experience with the following:

•    Utilizing statistical and data science methods to build analytical solutions, prove hypotheses, and recommend improvements;
•    Developing and executing models using statistical analysis in programming languages, including SAS, R, and Python to assess and predict risk; 
•    Implementing systems of automated decision rules using SQL, validating data fields in data warehouses, comparing data against relevant databases, and writing complex queries in large relational databases; 
•    Supporting risk assessment functions of underwriting and pricing; 
•    Developing data-driven applications and managing data warehousing with relational database management systems (RDBMS) using SQL for efficient data storage and retrieval; 
•    Handling large datasets using R, Python, and VBA to perform analyses related to risk identification, pricing strategies, and reporting; 
•    Building applications with SQL to extract data, perform data validations, update records, and generate periodic reports for regulatory compliance and internal audits; 
•    Creating automated and scalable reporting dashboards in Excel and R for enhanced management decision-making; and 
•    Communicating complex technical findings and recommendations to both technical and non-technical stakeholders.
Remote work permitted 1 day per week.

Worksite: 5908 Headquarters Drive, Plano, TX 75024 United States, 40 hrs/wk. EO employer.

For summary of benefits and to apply visit our website at https://jobs.citizensbank.com and apply online (Job ID: 48325) or email resume and cover letter to [email protected] with subject line: 48325.

Direct applicants only. 
 

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.

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