Principal Credit Risk & Pricing Analyst

Citizens Financial Group•Plano, TX

3d•Hybrid

About The Position

Citizens Financial Group, Inc. (CFG) seeks a Principal Credit Risk & Pricing Analyst for its Plano, Texas location. This role is responsible for leading analytical work that directly shapes credit strategy across consumer lending portfolios. The analyst will translate complex data into clear, defensible recommendations, influence senior-level decision-making, and drive strategy through implementation. Key responsibilities include leading the development of credit risk strategies across consumer lending portfolios (originations, account management, loss mitigation), synthesizing internal, bureau, and alternative data to identify trends, risks, and opportunities, and developing recurring reporting and strategic insights for senior leadership. The role also involves translating analytical findings into actionable recommendations, articulating tradeoffs, defending points of view, and partnering with Product, Finance, and Technology to operationalize credit strategies. Additionally, the Principal Credit Risk & Pricing Analyst will serve as a subject matter resource and informal mentor to junior analysts.

Requirements

Master’s degree in Mathematics, Finance, Risk Management, or related field
5 years of experience as a Senior Actuarial Analyst, Principal Credit Risk Pricing Analyst, or related position
5 years of experience utilizing statistical and data science methods to build analytical solutions, prove hypotheses, and recommend improvements
5 years of experience developing and executing models using statistical analysis in programming languages, including SAS, R, and Python to assess and predict risk
5 years of experience 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
5 years of experience supporting risk assessment functions of underwriting and pricing
5 years of experience developing data-driven applications and managing data warehousing with relational database management systems (RDBMS) using SQL for efficient data storage and retrieval
5 years of experience handling large datasets using R, Python, and VBA to perform analyses related to risk identification, pricing strategies, and reporting
5 years of experience building applications with SQL to extract data, perform data validations, update records, and generate periodic reports for regulatory compliance and internal audits
5 years of experience creating automated and scalable reporting dashboards in Excel and R for enhanced management decision-making
5 years of experience communicating complex technical findings and recommendations to both technical and non-technical stakeholders

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.