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 Masters 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 and apply online (Job ID: 48325) or email resume and cover letter to with subject line: 48325.

Direct applicants only.