Principal Credit Risk & Pricing Analyst

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. Working with data resources, you will formulate policy recommendations, communicate these recommendations to important stakeholders, and collaborate with diverse teams to see them implemented successfully. You will wear multiple hats, solving problems across the full credit lifecycle and have the opportunity to take ownership of solutions and see them through to completion in a fast-paced, challenging environment.

• 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.

• 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 programming languages.
• 3+ years of 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: 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‑oriented environment.

• Bachelor’s degree in a quantitative discipline required (Finance, Mathematics, Computer Science, Statistics, Engineering, etc.).
• Master's or PhD in a quantitative discipline preferred.

• Hours per week: 40
• Work schedule:
  
  8:30 am – 5:00 pm, Monday – Friday

Four days in the office per week, one day remote.

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 location, skills, and experience. We also offer comprehensive medical, dental, and vision coverage; retirement benefits; maternity/paternity leave; flexible work arrangements; education reimbursement; wellness programs; and more. For an overview of our benefits, visit

Citizens, its parent, subsidiaries, and related companies 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 of a disability, ethnicity, gender, gender identity or expression, genetic information, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, reproductive health decisions, race, religion, sex, sexual orientation, or any other category protected by federal, state, or local laws.

Employment decisions are based solely on merit, qualifications, performance, and capability.