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.