Credit Risk Analytics – Analyst II

Role Outline/Job Summary: As part of the Retail Service Risk Management Analytics team, the successful candidate will be responsible for developing, analyzing and executing ideas and initiatives designed to achieve business growth & loss mitigation goals. ROLE & RESPONSIBILITIES Business/ Department Objectives Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses Core Responsibilities: Support tactical and strategic Risk Analytics projects for Citi’s Retail Services Group in the US. Independently manage development and implementation of effective risk management strategies that help mitigate credit lossesApply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processesApply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies. Must be able to effectively provide updates and communicate key initiatives to senior risk management. Analyzing tests and performance using SAS and decision tree (CHAID/ CART)Evaluating effectiveness of current policies and strategies Day-to-Day Responsibilities: Must have capability to clearly develop and communicate analysisA good understanding of Credit life cycle and Collections/RecoveriesMust have hands on expertise in developing and managing segmentationPresentations 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. Key Deliverables: Provide insight into the data through MIS and deeper analyticsSummarize analytic reports into presentations and share analyses and reports with senior leadership Education: Bachelor’s degree in a quantitative discipline: Mathematics, Economics, Operations Research, And StatisticsMaster’s degree in a quantitative discipline: Mathematics, Economics, Operations Research, Statistics is preferred Experience: 2+ years of relevant experience Skills: Strong analytical skills in conducting sophisticate analysis using bureau/vendor data, customer performance data and marketing data to solve business problems. Good programming skills in advanced SAS and SQL in mainframe, UNIX and PC environments. Highly proficient in Excel/pivot tables and PowerPoint. Credit card industry experience especially in an analytics or policy role is preferred Others: Exposure to project/process management Strong communication and presentation skills targeting a variety of audiencesA qualified candidate needs to be able to work with cross functional teamsCreates and sustains a network of strong client relationships. Flexibility in approach and thought processAbility to work effectively across portfolio risk policy teams and functional areas teams Strong influencing, negotiating, and facilitation skills. Analytical mindset ------------------------------------------------------ Job Family Group: Risk Management------------------------------------------------------ Job Family: Portfolio Credit Risk Management------------------------------------------------------ Time Type: Full time------------------------------------------------------ Most Relevant Skills Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------ 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.