Hiring: Principal Credit Risk & Pricing Analyst - Home Equity Company: Citizens Location: Johnston, RI Job Posted Time: 2026-09-17 00:43:26 Employment Type: Remote Target Skills & Keywords : Databricks, Machine Learning, Portfolio Management, Python, R, Risk Management, SQL, Snowflake, Stakeholder Management About the job Experience: •7+ years of experience in Credit Risk, Portfolio Analytics, Pricing, Quantitative Risk Management, Credit Policy, or related disciplines. •5+ years of experience in consumer lending, preferably Home Equity, Mortgage, or other real estate-secured products. •Proven ability to present recommendations to senior leaders and cross-functional stakeholders. Required Skills: •The Principal Credit Risk & Pricing Analyst will serve as a senior individual contributor within the Home Equity Credit Risk organization, responsible for developing and optimizing credit risk, pricing, portfolio, policy, and process strategies for Home Equity products across both on-balance sheet and off-balance sheet channels. •Develop and enhance acquisition, underwriting, pricing, line assignment, portfolio management, and account management strategies. •Monitor portfolio performance and identify emerging risks, recommending changes to underwriting standards, policies, and risk appetite. •Conduct analyses of credit performance, loss forecasting, utilization, profitability, customer behavior, and collateral trends. •Assess the impact of economic, housing market, property valuation, and consumer credit trends on portfolio performance. •Support risk governance activities, including regulatory exams, audits, compliance reviews, model governance, and executive reporting. •Partner with Product and Finance teams to evaluate growth opportunities, product enhancements, and portfolio retention strategies. •Portfolio Optimization & Capital Management Qualifications: •Master's degree in Statistics, Mathematics, Economics, Finance, Data Science, Engineering, Computer Science, or a related quantitative field. •Knowledge of consumer credit models, model governance, pricing analytics, and regulatory expectations. •Operational familiarity with AI, machine learning, digital origination platforms, and decision engines in financial services. •Bachelor's degree in a quantitative discipline required. •Master's degree or PhD preferred. •Hybrid: 4 days per week in office, 1 day remote Compensation: •$135,000 - $176,000 / year •The salary range for this position is $135,000-$176,000 per year, plus an opportunity to earn an annual discretionary bonus Interested candidates, please apply directly through the job posting on company's career page or try via AI auto apply on this platform. Don't miss this opportunity to join a forward-thinking team!