**Role Outline :** Enhance and improve 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 Branded Cards Proprietary 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 early 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:** + Undergraduate degree with a specialization in Statistics, Mathematics, or other quantitative discipline + 5+ years’ work experience required **Skills:** + Experienced in developing, implementing and monitoring credit strategies or scoring models across underwriting, existing customer management (examples: Balance Transfer, Credit Line Increase/Decrease, Re-Issue, Transactions Authorization) + Good programming skills in advanced SAS, SQL, Knowledge Studio, SAS E-miner 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. ------------------------------------------------------ **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. ------------------------------------------------------ _Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._ _If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _Accessibility at Citi (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)_ _._ _View Citi’s_ _EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy)_ _and the_ _Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)_ _poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.