AVP C12 Credit Card Pricing and Rewards Reengineering Analyst

About CITI

Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. We have 200 years of experience helping our clients meet the world's toughest challenges and embrace its greatest opportunities.

Analytics and Information Management (AIM)

Citi AIM was established in 2003 and is located across multiple cities in India – Bengaluru, Chennai, Pune and Mumbai. It is a global community that objectively connects and analyzes information, to create actionable intelligence for our business leaders. It identifies fact-based opportunities for revenue growth in partnership with the businesses. The function balances customer needs, business strategy, and profit objectives using best in class and relevant analytic methodologies.

What do we do?

The North America Consumer bank information management team provides reporting and business Insights support to help the business monitor/size the impact of various business strategies, campaigns and portfolio actions.

The team helps the business take strategic decisions based on lots of data exploration, thorough understanding of business needs backed by structured thinking.

Few notables among the multiple areas that we work in:

• Cutting Edge Data, Analytical, Modelling Tools and Platforms – Build, Setup and adopt cutting edge technologies and technology platforms to improve analysts efficiency, time to market and controls.
• Business critical Dashboards: self-explanatory and detailed dashboards to review the portfolio health with the business leaders with analytical backing of particular trends of interest
• Has good understanding on Credit card business financials like P&L, Rewards points, APR pricing and can come up with financial estimates by looking at the macro-economic and historical trends.
• Has good experience in analyzing Credit card portfolio, especially knowledge in interest rates, fees, interchange, penalty, rewards etc.
• Experienced in Credit Card Rewards optimization & Reengineering strategies.
• Assessing Campaign Impacts: Understand the campaign setup and through data exploration get the actual campaign performance in terms of P&L. Using the data put together a solution to optimize the marketing spends based on campaign performance.
• Opportunity sizing: Help the business with sizing the impact of various regulatory / market / business / strategic changes to the portfolio
• Process Efficacy: Periodically review existing process and identify potential ways to streamline the process
• Business Intelligence Tools: Deploy existing reports to other advanced reporting platforms

In order to achieve the best in class analytical solutions across business units we use the best in class tools and technology.

What’s expected from you?

• Drive multiple projects involving large and complex data sets for the purposes of analysis/validation, leveraging relevant programming tools (e.g., SQL, SAS, SAS Macro , Good to have - Python , Pyspark), level – proficient/ done certifications.
• Has good understanding on Credit card business financials like P&L items and can come up with financial estimates by looking at the macro-economic and historical trends.
• Has good experience in analyzing Credit card portfolio, especially knowledge in interest rates, fees, interchange, penalty etc.

• Partner with stakeholders both internal to AIM and Global, to drive tangible outcomes.
• Interact regularly with business partners to understand their strategic priorities, develop context, proactively design and propose solutions.
• Continuously improve processes and strategies by exploring and evaluating new data sources, tools, and capabilities.
• Great storytelling, influencing skills

Skillset you should possess

The most important skill that our analyst should possess is their love for data and their eagerness for new challenges & solving new problems. Apart from these, they should also have the following skillset

Basic Qualifications

• Degree in computer science, engineering, mathematics, operations research or other quantitative field and strong relevant industry experience
• 7-10 years relevant experience
• Advanced process management skills, organized and detail oriented
• Ability to mentor and guide analysts towards complex projects with specific financial outcomes.
• Positive outlook with a can-do mindset
• Excellent understanding of statistics and probabilities
• Good communication, Stakeholder management and team skills
• Experience in working on Credit Cards and Retail Banking products is a plus
• Control orientated and Risk awareness

Other details

• Location: Gurgaon, India
• Employment: Full Time
• Industry: Credit Cards, Financial Services, Banking

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