The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for enhancing and improving the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses.

• Support tactical and strategic Risk Analytics projects for Citi’s Credit Cards Risk Management group in the US.

• Develop and manage implementation of effective risk management strategies that help mitigate credit losses, including designing, executing, interpreting credit tests on statistically sampled customer populations.

• Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes

• Must be able to effectively provide updates and communicate key initiatives to senior risk management.

• Analyzing tests and performance using SAS and decision tree software (CHAID/ CART)

• Evaluating effectiveness of current policies and strategies

Responsibilities:

• Must have capability to clearly develop and communicate analysis

• A good understanding of Credit life cycle, from Acquisitions through Collections

• Must have hands on expertise in developing and managing segmentation strategies

• Presentations to both technical and non-technical personnel are required to be made frequently as part of the job.

• Understanding and communicating examples of credit strategy customer impact through example review of Credit Bureau data.

• Ability to work efficiently in a matrixed environment balancing between both business and functional interactions and priorities, maximizing efficiencies of time-zones to create a continuously operating Credit Policy team.

Qualifications:

• Bachelor's/Master’s degree/University degree

• 5+ years work experience required

• Consistently demonstrate clear and concise written and verbal communication

• Good programming skills in advanced SAS, SQL, Knowledge Studio, SAS Eminer in PC, UNIX environments.

• Highly proficient in Excel/pivot tables and PowerPoint. VBA a plus.

• 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

• Flexibility in approach and thought process

• Ability to work effectively across portfolio risk policy teams and functional areas teams

• Strong influencing and facilitation skills

Experience in Collections including development of risk segmentation strategies, Contact strategies, Forbearance treatments and Recoveries management

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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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