Analytics Business Analyst

Citi; Bengaluru; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Citi in Bengaluru seeks a data & analytics professional to own portfolio performance analytics, data extraction, and reporting for credit card products.

You will partner with Risk, Marketing, and Product to derive actionable insights, build dashboards, and influence strategy. Requires 3–7 years in analytics within banking, strong SQL/SAS, and stakeholder communication.

Qualifications

• 3–7 years as a Business/Data/Portfolio Analyst in credit card or retail banking.
• Bachelor’s or Master’s in quantitative field (Statistics/Economics/Math/CS/Analytics).
• Excellent verbal and written communication to non-technical stakeholders.
• Structured, analytical problem-solving approach.

Responsibilities

• Portfolio Performance & Business Strategy analytics to identify growth opportunities.
• Data Extraction, Manipulation & Reporting using SQL/SAS and dashboards.
• Risk & Credit Analytics with monitoring of delinquency and credit loss provisions.
• Marketing & Campaign Analytics to optimize CPA and LTV.

Skills

SQL

SAS

Data Visualization

Excel

Education

Bachelor’s or Master’s in a quantitative field

Tools

Tableau

Power BI

QlikView

Job description

Key Responsibilities

1. Portfolio Performance & Business Strategy

• Analyze credit card portfolio metrics (e.g., active rates, spend volume, revolving behavior, balance build, credit limit utilization, and attrition) to identify growth opportunities and revenue leakage.
• Conduct deep-dive analyses on customer behavior, product performance, and channel effectiveness to support strategic business cases.
• Translate complex analytical findings into clear, structured, and actionable business recommendations for senior leadership and product owners.

2. Data Extraction, Manipulation & Reporting

• Write highly optimized, complexSQLqueries and/orSASprograms to extract, clean, and aggregate transactional and customer demographic data from enterprise data warehouses.
• Design, build, and maintain automated dashboards and business intelligence reports tracking key performance indicators (KPIs) for the credit card business.
• Ensure data integrity and consistency across all analytical outputs and regulatory reporting.

3. Risk & Credit Analytics

• Partner with Risk Management to monitor credit quality, delinquency trends, roll rates, and credit loss provisions.
• Analyze the impact of credit policy changes (e.g., credit limit increases/decreases, underwriting criteria) on portfolio performance and risk-adjusted revenue.

4. Marketing & Campaign Analytics

• Evaluate the performance of customer acquisition, cross-sell, balance transfer, and retention campaigns.
• Perform customer segmentation and propensity modeling to optimize targeting strategies, reducing cost-per-acquisition (CPA) and maximizing customer lifetime value (LTV).

Required Technical Skills

• SQL :Advanced proficiency. Must be expert in writing complex joins, subqueries, window functions, CTEs, and query optimization across platforms such as Teradata, Oracle, Snowflake, or SQL Server.
• SAS :Strong proficiency in SAS Base, SAS/STAT, and SAS Macro programming for data manipulation, statistical analysis, and reporting.
• Data Visualization:Experience with BI tools such as Tableau, Power BI, or QlikView to build interactive dashboards.
• MS Excel:Advanced skills (pivot tables, advanced formulas, index/match, data modeling).

Preferred Technical Skills

• Python:Basic to intermediate knowledge of Python (specifically Pandas, NumPy, and Matplotlib/Seaborn) for data analysis, automation, or scripting is a strong plus but not required.
• Banking Domain:Understanding of retail banking products, customer databases, and regulatory compliance standards (e.g., FCRA, CARD Act, AML).

Qualifications & Experience

• Education:Bachelor’s or Master’s degree in a quantitative field such as Statistics, Economics, Mathematics, Finance, Computer Science, or Business Analytics.
• Experience:3 to 7 years of experience as a Business Analyst, Data Analyst, or Portfolio Analyst within the Credit Card or Retail Banking industry.
• Communication:Exceptional verbal and written communication skills, with a proven ability to present technical insights to non-technical business stakeholders.
• Problem Solving:Strong analytical thinking with a structured approach to solving ambiguous business problems.

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.

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