The individual will work in the Portfolio insights and Regulatory Risk reporting Team for US Personal Banking Risk management team focusing on US Cards (Approximately 110+ million card members with $150+ billion in receivables). The individual will join a team that has responsibility for North America Cards and Installment Lending portfolios.
The person must be able to:
- Think strategically and analytically and enjoy problem solving.
- Perform business analysis to respond to regulatory and business questions and provide portfolio insights.
- Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing.
- Perform data analysis to monitor and track data quality and completeness of data.
- Interpret business requirements for the purpose of liaising with Technology Developers.
- Multitask to handle multiple enhancement projects and requirements.
- Partner with portfolio leads, Independent Risk and Compliance teams, Business, Risk, Operations and Technology teams to identify, communicate and resolve issues timely.
- Navigate complex and variable issues and long-term quality improvement projects.
- Leverage on analytical tools including SAS, SQL, MS Excel, Tableau.
Responsibilities:
- Active involvement in Portfolio Insights and regulatory projects/workstreams including changes to reporting standards as the SME.
- Data oriented with ability to quickly understand complex data and business concepts and drive them into actionable recommendations.
- Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management.
- Investigate trends and insights to understand and proactively inform stakeholders of changes in Portfolio Insights and Regulatory reporting metrics.
- Develop and perform analysis that addresses concerns and issues in a clear and concise manner.
- Partner with Portfolio leads, Independent Risk Compliance teams, Business, Risk, Operations and Technology teams to identify, communicate and resolve issues timely.
- Work with external vendors and Technology when needed, to analyze and respond to data quality issues and perform Root cause analysis.
- Provide Audit support and answer questions as well as analysis and support to Business Reporting team as required.
Domain and Process Expertise
- Good understanding of credit risk management in the Credit Card/Consumer Finance domain.
- Experience in Credit card life cycle and data management.
- Ability to build and maintain relationships including working collaboratively with people at all levels of the organization.
- Willingness to take ownership of reporting and transformation to drive best practice and contribute to a high performing team.
- Good knowledge of Citi products, risk processes and controls with understanding of key regulatory requirements and risk management framework.
- Experience in compiling process and data quality metrics, analyzing results to clearly communicate data-driven analysis to senior management.
Qualifications:
- 8+ years of relevant experience
- Knowledge of Risk Management and data analytics
- Ability to apply credit and risk principles toward business goals
- Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
- Proven ability to remain organized in a fast-paced environment, managing multiple projects
- Proven interpersonal, organizational and analytic skills
- Proficient in SQL, SAS, UNIX, Tableau. Knowledge in mainframe environment a plus.
- Proficient in MS Office applications (Excel, Word, PowerPoint).
- SAS Certifications, Unix scripting and Python experience are a plus.
Education:
- Bachelor's degree/University degree or equivalent experience
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Job Family Group:
Risk Management------------------------------------------------------
Job Family:
Portfolio Credit Risk Management------------------------------------------------------
Time Type:
Full time------------------------------------------------------
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.------------------------------------------------------
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------
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