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 $143705 - $180000 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 .

#LI-Citizens1

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.

What We Do

As one of the oldest and largest financial services firms in the United States with a history dating back to 1828 we’re committed to providing solutions and expertise that support our customers clients colleagues and communities in what’s next on their own unique journey. We invest in the humans who build the logic ideas and innovations that bring new technologies to life. Investments in AI cloud computing machine learning and automation provide our engineers the tools that enable us to remain competitive and win in today’s environment. At Citizens we recognize that the journey to accomplishment is no longer linear and that individuals are made of all they have done and all they are going to do. Whether you’re considering banking with us or looking to work with us you’ll find a customer-centric culture and a supportive collaborative workforce at Citizens. You’re made ready and so are we. If you're ready to advance your career in technology and security learn more about opportunity's Citizens offers here: https://jobs.citizensbank.com/digital-transformation

Why Work With Us

We empower the colleagues that power our tech. With growth & upskilling opportunities and sought-after benefits plus a diverse culture of people and perspectives we help our colleagues achieve career goals. Because innovation can’t happen without the minds and hearts of our people. Technology is constantly evolving and we believe you can too.

Gallery