Consumer Cards Credit Portfolio Intermediate Analyst, Officer

About the role

At Citi, we get to connect millions of people across hundreds of cities and countries every day. And we've been doing it for more than 200 years. We do this through our unparalleled global network. We provide a broad range of financial services and products to our clients – whether they be consumers, corporations, governments or institutions – to help them meet their biggest opportunities and face the world's toughest challenges.

We’re currently looking for a high caliber professional to join our team as Officer, Credit Portfolio Intermediate Analyst based in Gurugram, India. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future. For instance:

• Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country.
• We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world.
• We empower our employees to manage their financial well-being and help them plan for the future.
• Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.
• We have a variety of programs that help employees balance their work and life, including generous paid time off packages.
• We offer our employees resources and tools to volunteer in the communities in which they live and work. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world.

As part of the Retail Service Risk Management Analytics team, the successful candidate will be responsible for developing, analyzing and executing strategies and initiatives designed to achieve business growth & loss mitigation goals

Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits maintaining losses within a Risk Appetite Framework.

• Support tactical and strategic Risk Analytics New Account originations projects for Citi’s Retail Services Group in the US
• Independently manage development and implementation of effective risk management strategies that maintain portfolios within their defined Risk Appetite
• 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
• Provide insight into the data through MIS and deeper analytics
• Summarize analytic reports into presentations and share analyses and reports with senior leadership

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.

5+ years of relevant experience.

Strong analytical skills in conducting sophisticated 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.

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…