Credit Risk Analytics – Analyst II

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Job Overview

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 losses
• 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.
• 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 analysis
• A good understanding of Credit life cycle and Collections/Recoveries
• Must have hands on expertise in developing and managing segmentation
• 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.

Key Deliverables:

• Provide insight into the data through MIS and deeper analytics
• Summarize 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 Statistics
• Master’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 audiences
• A qualified candidate needs to be able to work with cross functional teams
• Creates and sustains a network of strong client relationships.
• Flexibility in approach and thought process
• Ability to work effectively across portfolio risk policy teams and functional areas teams 
• Strong influencing, negotiating, and facilitation skills. Analytical mindset

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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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.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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