Principal Credit Risk & Pricing Analyst

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    "ExternalDescriptionStr": "<p style=\"line-height:normal;margin-bottom:0in;\"><span style=\"color:#161513;font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">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.</span></span></p><p style=\"line-height:normal;margin-bottom:12.0pt;\">&nbsp;</p><p style=\"line-height:normal;margin-bottom:12.0pt;\"><span style=\"color:#161513;font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\"><strong>Primary responsibilities include:</strong></span></span></p><ul style=\"list-style-type:disc;\"><li style=\"color:#161513;line-height:normal;tab-stops:list .5in;\"><span style=\"font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">Utilize analytical and technical skills to uncover insights, develop policy recommendations, and solve critical business problems.</span></span></li><li style=\"color:#161513;line-height:normal;tab-stops:list .5in;\"><span style=\"font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">Work with proprietary Citizens data in conjunction with bureau data, property data and alternative data sources to shape credit risk strategy.</span></span></li><li style=\"color:#161513;line-height:normal;tab-stops:list .5in;\"><span style=\"font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">Analyze portfolio trends and investigate emerging risks to drive optimization of credit policy in a constantly evolving landscape.</span></span></li><li style=\"color:#161513;line-height:normal;tab-stops:list .5in;\"><span style=\"font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">Design statistical and mathematical models for reporting and predictive analytics.</span></span></li><li style=\"color:#161513;line-height:normal;tab-stops:list .5in;\"><span style=\"font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">Develop, automate and deliver regular reports and communications to senior management.</span></span></li><li style=\"color:#161513;line-height:normal;tab-stops:list .5in;\"><span style=\"font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">Communicate recommendations and insights to key stakeholders to influence decision making.</span></span></li><li style=\"color:#161513;line-height:normal;tab-stops:list .5in;\"><span style=\"font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">Collaborate with diverse teams to see strategy proposals implemented successfully.</span></span></li></ul><p style=\"line-height:normal;margin-bottom:12.0pt;\"><span style=\"color:#161513;font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\"><strong>Qualifications:</strong></span></span></p><ul style=\"list-style-type:disc;\"><li style=\"color:#161513;line-height:normal;tab-stops:list .5in;\"><span style=\"font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">3+ years of Credit Risk experience - preferably real estate lending (mortgage and/or home equity).</span></span></li><li style=\"color:#161513;line-height:normal;tab-stops:list .5in;\"><span style=\"font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">3+ years of relevant experience in a quantitative role utilizing statistical programing languages.</span></span></li><li style=\"color:#161513;line-height:normal;tab-stops:list .5in;\"><span style=\"font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">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.&nbsp;</span></span></li><li style=\"color:#161513;line-height:normal;tab-stops:list .5in;\"><span style=\"font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">Expertise with one or more of the following technologies required: &nbsp;SQL, Python, R, Tableau.</span></span></li><li style=\"color:#161513;line-height:normal;tab-stops:list .5in;\"><span style=\"font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">Ability to drive actionable outcomes from analytical insight and effectively communicate findings and recommendations to business leadership.</span></span></li><li style=\"color:#161513;line-height:normal;tab-stops:list .5in;\"><span style=\"font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">Exceptional problem-solving acumen with ability to think strategically.&nbsp;</span></span></li><li style=\"color:#161513;line-height:normal;tab-stops:list .5in;\"><span style=\"font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">Time Management – ability to prioritize competing assignments and thrive in a fast-paced results orientated environment.</span></span></li></ul><p style=\"line-height:normal;margin-bottom:12.0pt;\"><span style=\"color:#161513;font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\"><strong>Education:</strong></span></span></p><ul style=\"list-style-type:disc;\"><li style=\"color:#161513;line-height:normal;tab-stops:list .5in;\"><span style=\"font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">Bachelor’s degree in quantitative discipline required (Finance, Mathematics, Computer Science, Statistics, Engineering, etc.).&nbsp;</span></span></li><li style=\"color:#161513;line-height:normal;tab-stops:list .5in;\"><span style=\"font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">Masters/PhD in a quantitative discipline preferred.</span></span></li></ul><p><strong>Hours &amp; Work Schedule</strong></p><ul><li>Hours per Week: 40</li><li>Work Schedule: &nbsp;8:30am - 5:00pm, Monday - Friday</li></ul><p>&nbsp;</p><p><span style=\"color:#161513;font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\"><strong>Role is hybrid, 4 days in office per week, 1 day remote</strong></span></span></p><p>&nbsp;</p><p>&nbsp;</p><p><span style=\"font-size:12.0pt;line-height:107%;\"><strong>Pay Transparency&nbsp;</strong></span></p><p style=\"background-color:#FBF9F8;line-height:normal;margin-bottom:0in;\"><span style=\"color:black;\"><span style=\"font-size:12.0pt;\">The salary range for this position is $</span></span><span style=\"color:#161513;font-family:&quot;Segoe UI&quot;,sans-serif;\"><span style=\"font-size:12.0pt;\">143,705 - $180,000 </span></span><span style=\"font-size:12.0pt;line-height:107%;\">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.</span></p><p>&nbsp;</p><p><span style=\"font-size:12.0pt;line-height:107%;\">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 </span><a href=\"https://jobs.citizensbank.com/benefits\"><span style=\"color:blue;\"><span style=\"font-size:12.0pt;line-height:107%;\">https://jobs.citizensbank.com/benefits</span></span></a><span style=\"font-size:12.0pt;line-height:107%;\"> .</span></p><p><span style=\"color:black;font-family:&quot;Aptos&quot;,sans-serif;\"><span style=\"font-size:11.0pt;\">#LI-Citizens1</span></span></p><p>&nbsp;</p>",
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