Business Analytics Lead Analyst (Hybrid)

About Citi Retail Services

Citi Retail Services (CRS), with Assets of approximately $50B, is a leading provider of consumer and commercial credit card products, both private label and co-branded, to national and regional retailers and their customers across the U.S. It also provides retail industry expertise, including transaction data analytics, fully integrated marketing and loyalty programs and advanced digital capabilities. The business services over 52 million accounts for several national brands, including The Home Depot, Best Buy, Dillard’s, Sears, Macy’s, LL Bean, Tractor Supply Co. and Wayfair.

US Personal Banking Analytics (USPBA) is a global community that is driving data driven transformation across Citi in multiple functions with the mission to deliver faster, wider, deeper, data driven insights to achieve superior decisions and financial outcomes. We are a fast-growing organization working with Citi businesses and functions across the world.

Job Background / Context:

USPBA / CRS New Accounts Analytics team drives performance analytics, diagnostics and drivers analysis, lead risk & opportunity identification, attribution and measurement to assess emerging trends and outlook.

The team supports retail partners to assess customer journey across various touchpoints and drive omni channel strategy including, Field Sales, upper funnel digital optimization, digital adoption and sales engagement etc. The team works on solving various business challenges leveraging data and insights as tool.

This is an ideal analytics job for curious people who love solving challenging business problems, driving data driven strategies, applying statistical techniques, building predictive models, interacting with internal and external partners to influence business decisions in a fast-paced environment.

This position is responsible to lead development of strategic data-driven solutions with the focus on improving analytical capabilities across digital products,  marketing, and customer experiences across 25+ iconic retail Partners like The Home Depot, Best Buys, Macy’s, amongst others. This role in particular leads and democratizes the ‘Customer /Portfolio Insights’ to drive data led decision making leading to tangible business benefits and organizational goals. The individual will be responsible and accountable to drive key financial & operational KPIs, including, but not limited to: New Credit Applications, Funnel Efficiencies metrics, Acquisitions, Sales, Credit Penetration, Wallet Share, Revenue and Net Income.  This role also requires leading our offshore team of highly talented individuals.

The problem statements in this role will require an individual to work with some of the largest data assets available across any industry. The problem is cognitively challenging and will leverage regression/segmentation, big data techniques, and artificial intelligence. However, the solution itself must be elegantly simple to ensure easy communication and execution.

Responsibilities:

Specific responsibilities will include but are not limited to:

• Design next generation KPIs that summarize and inform both expense and revenue opportunities.
• Lead CRS Credit Card new accounts performance analytics, outlook and trends to inform further strategies to increase acquisition volumes.
• Build diagnostics frameworks and analytical insights to map underlying drivers, emerging risks and opportunities to drive growth.
• Drive efforts on ad hoc, time sensitive exploratory data analysis, confirmatory data analysis and/or qualitative analysis to provide additional insights and context on outlooks, underlying conditions driving current acquisition outlook and trends,
• Establish value of new accounts, net present value (NPV) to size profitability of acquisitions and acquisition programs
• Identifies data patterns & trends, and provides insights to enhance business decision making capability in business planning, process improvement, solution assessment, etc.
• Coordinate data gathering from external sources to inform analysis, and ensure that data is provided to appropriate teams to drive other analytic responsibilities,
• Cross-functional collaboration and driving programs to logic closure by identifying and rallying relevant teams, building consensus with functional and senior stakeholders and implementing recommendations
• Work with marketing, finance, and risk teams to optimize, enhance, and expand programs to drive new accounts application efficiency relative to retail transactions.
• Partner with the portfolio Chief Analytics Officers to deliver analytic solutions to business initiatives.  Work with local and offshore resources and provide analytic leadership and project management.
• Conduct segmentation analytics and develop targeting tools across the customer Life Cycle. Develop experimental test design, campaign performance tracking and recommend changes in strategies.
• Support Business and Global Data Analytics functions in Audits and Business Control activities.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
• Document data requirements, data collection / processing / cleaning, and exploratory data analysis; which may include utilizing statistical models / algorithms and data visualization techniques

Qualifications:

• 6-10 years of experience
• Working experience in a quantitative field, Financial/Credit Card industry
• Must have Demonstrated ability in data retrieving and manipulation as well as proficient analytical skills
• Excellent analytic ability and problem solving skills
• Proficient in Microsoft Office including excellent MS Excel skills to develop analytic presentations
• Excellent communication and interpersonal skills, be organized, detail oriented, and adaptive to matrix work environment

Education:

• Bachelors/University degree, Master’s degree preferred

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In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

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Anticipated Posting Close Date:

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Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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