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------------------------------------------------------
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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