Risk Policy Intermediate Analyst

Overview

Developing Business Analytics role within Decision Management, focused on credit and fraud risk segmentation, strategy development and analytics to support Citi's risk and business decisions.

What you'll do

• Gather operational data from cross-functional stakeholders to examine past business performance.
• Identify data patterns and trends, and provide insights to enhance business decision making in business planning, process improvement and solution assessment.
• Recommend actions for future developments, strategic business opportunities and enhancements to operational policies.
• May be involved in exploratory data analysis, confirmatory data analysis and/or qualitative analysis.
• Translate data into consumer or customer behavioral insights to drive targeting and segmentation strategies, and communicate findings clearly to business partners and senior leaders.
• Continuously improve processes and strategies by exploring and evaluating new data sources, tools and capabilities.
• Work closely with internal and external business partners in building, implementing, tracking and improving decision strategies.
• Appropriately assess risk when business decisions are made, driving compliance with applicable laws, rules and regulations, adhering to Policy, and escalating, managing and reporting control issues with transparency.
• Develop Risk Segmentation models and strategies for credit abuse/first party fraud risk segmentation at Acquisition and Existing Customer Management stages.
• Work on establishing swap set analysis and PnL optimization using the models.
• Work closely with cross-functional teams, including business stakeholders, MRM and governance teams, and strategy implementation teams, and implement initiatives to ensure consistency and compliance with global credit policies.
• Observe key credit abuse trends, threats, inaccuracies and drivers of those observations.
• Support Audit requirements from external/internal auditors and queries from Independent Risk.
• Create story boards, presentations and project plans for discussions with senior management and drive insights.
• Utilize UNIX and Statistical Analysis System (SAS) to perform risk, financial and data analyses including profiling, sampling, reconciliation and hypothesis testing.

What you'll need

• Advanced degree (Masters required) in Statistics, Applied Mathematics, Operations Research, Economics, MBA (Finance), or other highly quantitative discipline.
• Hands-on experience of credit/fraud risk strategy development.
• Advanced process management skills, organized and detail oriented.
• Strong analytic, strategic and project management skills.
• Developed communication and diplomacy skills to exchange potentially complex or sensitive information.
• Knowledge and experience of statistical procedures and financial analytic tools.

Nice to have

• 4 to 7 years relevant experience.
• Curious about learning and developing new skillsets.
• Positive outlook with a can-do mindset.
• Preferred knowledge of credit/fraud risk analytics.
• Knowledge and experience of SQL, R, Python, Hadoop, Spark and SAS.
• Machine Learning knowledge.

Details

• Location: Mumbai, Maharashtra, India.
• Work timings are 1:00 PM to 10:00 PM IST.
• Full-time employment.