Principal Credit Risk & Pricing Analyst

Credit Risk Sr Professional

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

Required Skills

• Advanced Analytics
• Agility
• Analytical Reasoning
• Building Relationships
• Business Integrity Management
• Compliance Management
• Compliance Risk
• Corporate Governance
• Credit Analysis
• Credit Policy and Procedures
• Credit Portfolio Management
• Critical Thinking
• Cross-Functional Collaboration
• Customer-Centricity
• Industry Insight
• Influencing Others
• Innovation
• Motivating Others
• Organizational Knowledge
• Policy Implementation
• Process Improvement
• Risk Management Framework
• Valuing Diversity and Inclusion

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.

Job Info

• Job Identification 45605
• Job Category Risk & Oversight
• Degree Level Bachelor's Degree
• Job Schedule Full time
• Job Shift 1st
• Locations One Citizens Bank Way, Johnston, RI, 02919, US 200 Station Drive, Westwood, MA, 02090, US 4249 Easton Way Suite 200, Columbus, OH, 43219-6170, US 130 N 18th Street, STE1310, Philadelphia, PA, 19103-6933, US
• Working Hours 40
• Career Site Category Data Analytics