Retail Services Assistant Manager, Credit Portfolio Analyst II
About (Name of Business Group)
Citi Retail Services (RS) organization is a leading U.S. Retail Cards business, with a 40%+ market share and greater than $40B in receivables across 40+ million open active Card member accounts.
RS provides retail card products to the customers of a diverse group of major national retailers, oil companies and specialty retailers and dealers (the Partners ).
Products provided by RS include financing, transaction, and payment solutions that augment Partners’ existing marketing and sales strategies.
These products serve to enhance Partner sales through direct integration with Partner branding, marketing and data management.
RS also provides supplemental services to Card members such as debt protection, identity protection and credit monitoring.
Role Outline / Job Summary
This position is part of the Citi Retail Services Strategic Decision group and provides Model Governance / Validation / Documentation and Enhancement related support for Non Scoring risk models used across all portfolios.
The position will partner with Cards Risk Management policy and provide Model Governance / Validation / Documentation related support for the development, maintenance, validation, and other management of Non Scoring risk models used across all portfolios.
Has knowledge and expertise to ensure proper ongoing management of Non Scoring risk models, including but not limited to documentation and validation of the models.
Provide support in efficient delivery against requirements set forth by internal Risk oversight group as well as external regulators
Interacts, communicates effectively and builds strong working relationship on an ongoing basis with business partners.
Seek opportunity for existing strategy enhancement by leveraging ML techniques
Ensures efficient delivery against requirements set forth by internal Risk oversight group as well as external regulators on non-scoring model validation, documentation and governance.
Driving adoption of best practices to different portfolio risk teams with specific focus on segmentation model validation, governance and documentation
Work closely with the credit risk policy teams in any of the following areas authorizations, underwriting, existing customer management, collections & fraud to develop best in class segmentation / non- scoring models and help validate & document the models
Interact, communicate effectively with business partners on model policy, model approval process and its requirements both during day-to-day interaction and through formal training
Must have capability to clearly communicate analyses. 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
Ability to understand new ML techniques prevalent in industry and customize it within Citi framework
Masters or Bachelor’s degree with a specialization in Statistics, Mathematics, or other quantitative discipline
2+ years of work experience required
Experienced in developing, implementing and monitoring credit strategies or scoring models across authorizations, underwriting, existing customer management and collections
Good 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.
Prior experience to ML tools will be preferred
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.
Bachelor's Degree / Master’s Degree
Relocation : No
Office Location / Address : Mumbai
Job Family Group : Risk Management
Job Family :
Credit & Portfolio Risk Management
Time Type :