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The health and safety of our colleagues and candidates for employment are our highest priority. Accordingly, Citi continues to monitor the COVID-19 situation closely. We have implemented precautionary measures across our firm globally, including conducting all candidate interviews virtually on a temporary basis until further notice where needed.

Risk Policy Senior Analyst

Job Req ID 22421225 Primary Location Wilmington, Delaware; O'Fallon, Missouri; Atlanta, Georgia; Elk Grove Village, Illinois; Irving, Texas Job Category Risk Management
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Background & Position Overview:

This position is within the US Consumer Recovery Risk team. The Recovery Risk team’s mission is to assist delinquent or charged-off customers to bring their account current or fairly resolve their debt. The Recovery Risk team owns strategy and policy and partners closely with the Operations and Technology teams for the implementation and monitoring of the strategies. Through this partnership, the members of the team have a good opportunity to implement new strategies and see tangible impacts of their work to assist customers.

Key Responsibilities:

  • Recommend new recovery strategies that will reduce losses
  • Optimize treatments applied to accounts across recovery stages to ensure business objectives are realized while maintaining strict adherence with regulatory guidance and policy
  • Hypothesis development, analysis, test design, champion challenger analysis to improve strategy effectiveness
  • Identify new opportunities to improve efficiency in Collections and Recovery
  • Responsible to track performance and communicate results to management
  • Analyze tests and performance using SAS/SQL, Teradata.  Conduct P&L analysis
  • Identify areas to reduce cost of Collections and Recovery business areas without negatively impacting performance
  • Collaborate with Operations to execute strategies, validate execution and report status
  • Partnering with others (both inside & outside the team) to implement and assess strategy changes
  • Provide simple, concise and clear communications of complex data trends and analyses to senior management
  • Provide support for regulatory exams, internal audits & reviews


  • Four-year degree in Statistics, Economics, Engineering, Finance, Mathematics, or a related quantitative field. Graduate degree is highly desirable.
  • 2 years credit risk management or analytics experience is preferred, but not required
  • Proficiency in data extraction, transformation, analytics along with application of statistics for inferences using large datasets
  • Intermediate proficiency in at least one of the following statistical software packages: SAS (preferred), SPSS, Statistica, S+ or some equivalent or R/ R Studio
  • Experience with Teradata, SQL programming in a UNIX environment
  • Ability to establish solid cross-functional partnerships and networks to contribute and execute cross-functional and business initiatives
  • Outstanding communication and presentation skills, excellent interpersonal skills, thought leadership and should be comfortable working with ambiguity
  • The successful candidate should have demonstrable analytic and project management skills


Job Family Group:

Risk Management


Job Family:

Risk Policy


Time Type:

Full time


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Effective November 1, 2021, Citi requires that all successful applicants for positions located in the United States or Puerto Rico be fully vaccinated against COVID-19 as a condition of employment and provide proof of such vaccination prior to commencement of employment.

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