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.

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 Recruiting@Citizensbank.com with subject line: 48325. Direct applicants only.