Credit Risk Analytics - Assistant Vice President

Credit Risk Analytics - Assistant Vice President This position is within Citi’s USPB In-Business Unsecured Lending Risk. It will develop, implement, and monitor credit policy strategies and capabilities for new account originations across the Unsecured lending portfolios for US credit cards. The role ensures credit strategies are analytically sound, compliant with regulatory expectations, and aligned with the bank’s risk appetite and growth objectives. In this role, you will Support design, development & optimization of the acquisition credit policies for a 150B+ portfolio that generates 15MM new accounts annually Support tactical and strategic Risk Analytics projects for U.S. Consumer Cards Perform quantitative analyses to assess risk‑adjusted return, risk segmentation, and tradeoffs in acquisition policy changes Prepare proposals and review with stakeholders within Risk, document the effective challenge and incorporate inputs in revising the proposals Partner with modeling team on new tools, machine learning and alternate data Develop a testing framework to deploy learnings faster using repeatable playbooks and monitoring routines Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies Track and report on initiatives, performance results, emerging trends and opportunities to senior management Ensure adherence to internal and external regulatory expectations Ensure strategies are executed in a strong control environment Responsibilities Clearly develop and communicate analysis Understand the credit life cycle Develop and manage segmentations Present to both technical and non‑technical personnel frequently Work efficiently in a matrix environment balancing business and functional interactions Skills 7+ years of relevant experience Experience developing, implementing, and monitoring credit strategies or scoring models across authorizations, underwriting, existing customer management and collections 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 Exposure to project/process management Strong communication and presentation skills targeting a variety of audiences Strong influencing and facilitation skills with flexibility in approach and thought process Education Bachelor’s/University degree in statistics, mathematics, economics, or equivalent experience. Master’s/PhD degree is a plus 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. View Citi’s EEO Policy Statement and the Know Your Rights poster. #J-18808-Ljbffr Citi