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Senior Credit Risk Analytics role at Citi • Drive policy and modelling for US consumer cards, shaping risk strategy across a $150B portfolio.
Lead analytics, collaborate with ML & alternate data teams, and steer risk improvements in a dynamic global banking environment.
Job Overview
This position is within Citi’s USPB In-Business Unsecured Lending Risk. This role will develop, implement and monitor credit policy strategies and capabilities for new account originations across the Unsecured lending portfolios for US credit cards . You will be responsible for ensuring that credit strategies are analytically sound, compliant with regulatory expectations, and aligned with bank’s risk appetite and growth objectives.
In this role, you will
- Support design, development & optimization of the acquisition credit policies for a $150B+ portfolio that generates 15MM new accounts annually
- Support tactical and strategic Risk Analytics projects for U.S. Consumer Cards
- Perform quantitative analyses to assess risk-adjusted return, risk segmentation, and tradeoffs in acquisition policy changes
- Prepare proposals and review with the stakeholders within Risk, document the effective challenge and incorporate inputs in revising the proposals
- Partner with modeling team on new tools, machine learning and alternate data
- Develop a testing framework to deploy learnings faster using repeatable playbooks and monitoring routines
- Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes
- Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies.
- Track and report on initiatives, performance results, emerging trends and opportunities to senior management
- Ensure adherence to internal and external regulatory expectations
- Ensuring strategies are executed in a strong control environment
Responsibilities:
Must have capability to clearly develop and communicate analysis
A good understanding of credit life cycle
Must have hands on expertise in developing and managing segmentations
Presentations to both technical and non-technical personnel are required to be made frequently as part of the job
Ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities.
Skills:
7+ years of relevant experience
Experienced in developing, implementing, and monitoring credit strategies or scoring models across authorizations, underwriting, existing customer management and collections
Programming skills in advanced SAS, SQL, Knowledge Studio, SAS E-miner in mainframe, UNIX and PC environments.
Highly proficient in Excel/pivot tables and PowerPoint.
Exposure to project/process management
Strong communication and presentation skills targeting a variety of audiences
Flexibility in approach and thought process Strong influencing and facilitation skills.
Education:
Bachelor’s/University degree in statistics, mathematics, economics, or equivalent experience. Master’s/PhD degree is a plus
Job Family Group:
Risk Management
Job Family:
Portfolio Credit Risk Management
Time Type:
Full time
Most Relevant Skills
Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
Legal Notice
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi . View Citi’s EEO Policy Statement and the Know Your Rights poster.
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