Principal Credit Risk & Pricing Analyst

The Credit Risk Sr Professional will be a critical member of the Home Equity Credit Risk Team, generating the statistical analysis used to inform credit strategy. Will work with our data resources to formulate policy recommendations, communicate those recommendations to important stakeholders, and collaborate with diverse teams to see those recommendations implemented successfully. Will be expected to wear multiple hats, solving problems across the full credit lifecycle and will have the opportunity to take ownership of solutions and see them through to completion in a fast-paced, challenging environment.

Primary responsibilities include:

• Utilize analytical and technical skills to uncover insights, develop policy recommendations, and solve critical business problems.
• Work with proprietary Citizens data in conjunction with bureau data, property data and alternative data sources to shape credit risk strategy.
• Analyze portfolio trends and investigate emerging risks to drive optimization of credit policy in a constantly evolving landscape.
• Design statistical and mathematical models for reporting and predictive analytics.
• Develop, automate and deliver regular reports and communications to senior management.
• Communicate recommendations and insights to key stakeholders to influence decision making.
• Collaborate with diverse teams to see strategy proposals implemented successfully.

Qualifications:

• 3+ years of Credit Risk experience - preferably real estate lending (mortgage and/or home equity).
• 3+ years of relevant experience in a quantitative role utilizing statistical programing languages.
• 3+ years Quantitative Skills – ability to develop and implement effective portfolio management routines that monitor key metrics, benchmark performance vs. peers, and identify emerging trends. 
• Expertise with one or more of the following technologies required:  SQL, Python, R, Tableau.
• Ability to drive actionable outcomes from analytical insight and effectively communicate findings and recommendations to business leadership.
• Exceptional problem-solving acumen with ability to think strategically. 
• Time Management – ability to prioritize competing assignments and thrive in a fast-paced results orientated environment.

Education:

• Bachelor’s degree in quantitative discipline required (Finance, Mathematics, Computer Science, Statistics, Engineering, etc.). 
• Masters/PhD in a quantitative discipline preferred.

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule:  8:30am - 5:00pm, Monday - Friday

Role is hybrid, 4 days in office per week, 1 day remote

Pay Transparency 

The salary range for this position is $143,705 - $180,000 per year, plus an opportunity to earn an annual discretionary bonus. 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 .