Credit Risk Analytics - Assistant Vice President

This position is within Citi’s USPB In-Business Unsecured Lending Risk. This role will develop, implement and monitor credit policy strategies and capabilities for new account originations across the Unsecured lending portfolios for US credit cards . You will be responsible for ensuring that credit strategies are analytically sound, compliant with regulatory expectations, and aligned with bank’s risk appetite and growth objectives.

In this role, you will

• Support design, development & optimization of the acquisition credit policies for a $150B+ portfolio that generates 15MM new accounts annually
• Support tactical and strategic Risk Analytics projects for U.S. Consumer Cards
• Perform quantitative analyses to assess risk-adjusted return, risk segmentation, and tradeoffs in acquisition policy changes
• Prepare proposals and review with the stakeholders within Risk, document the effective challenge and incorporate inputs in revising the proposals
• Partner with modeling team on new tools, machine learning and alternate data
• Develop a testing framework to deploy learnings faster using repeatable playbooks and monitoring routines
• 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.
• Track and report on initiatives, performance results, emerging trends and opportunities to senior management
• Ensure adherence to internal and external regulatory expectations
• Ensuring strategies are executed in a strong control environment

Responsibilities:

• Must have capability to clearly develop and communicate analysis
• A good understanding of credit life cycle
• Must have hands on expertise in developing and managing segmentations
• 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.

Skills:

• 7+ years of relevant experience
• Experienced in developing, implementing, and monitoring credit strategies or scoring models across authorizations, underwriting, existing customer management and collections
• Programming skills in advanced SAS, SQL, Knowledge Studio, SAS E-miner in mainframe, UNIX and PC environments.
• Highly proficient in Excel/pivot tables and PowerPoint.
• Exposure to project/process management
• Strong communication and presentation skills targeting a variety of audiences
• Flexibility in approach and thought process Strong influencing and facilitation skills.

Education:

• Bachelor’s/University degree in statistics, mathematics, economics, or equivalent experience. Master’s/PhD degree is a plus

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