Risk Policy Intermediate Analyst

Citi; Mumbai; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Citi in Mumbai seeks a Business Analytics Intelligence Analyst to integrate data-driven insights into strategic business decisions. The role focuses on advanced risk analytics, pattern discovery, and translating data into actionable customer insights while collaborating with cross-functional teams.

The analyst will work with SQL, Python, R, SAS, and UNIX environments to support decision strategies, risk assessment, and process improvements in a fast-paced financial setting.

Qualifications

• Advanced degree in a highly quantitative discipline is required.
• 4 to 7 years relevant experience preferred.
• Strong analytical and project management skills.
• Experience with risk analytics and fraud risk is a plus.

Responsibilities

• Gathers operational data from cross functional stakeholders to examine past performance.
• Identifies data patterns and trends to inform business decision making.
• Recommends actions for future developments and strategic opportunities.
• May be involved in exploratory data analysis and hypothesis testing.
• Translate data into customer behavioral insights to drive targeting and segmentation.
• Improve processes by evaluating new data sources and tools.
• Work with partners to build and track decision strategies.

Skills

Credit risk analytics

Data analysis

SQL

Python

R

UNIX

SAS

Machine learning

Education

Masters degree in Statistics/Applied Math/Economics/OR

Tools

SQL

Python

R

SAS

UNIX

Hadoop

Spark

Job description

The Business Analytics Int Analyst is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the sub function/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.

Responsibilities

• Gathers operational data from various cross functional stakeholders to examine past business performance.
• Identifies data patterns & trends, and provides insights to enhance business decision making capability in business planning, process improvement, solution assessment etc.
• Recommends actions for future developments & strategic business opportunities, as well as 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 clearly and effectively to business partners and senior leaders all findings
• 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, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications

• 4 to 7 years relevant experience preferred
• Advanced process management skills, organized and detail oriented
• Curious about learning and developing new skillsets
• Positive outlook with a can-do mindset
• Develops Risk Segmentation models, Strategies for credit abuse/first party fraud risk segmentation at Acquisition and Existing Customer Management stages
• Work in establishing the swap set analysis and PnL optimization using the models
• Hands on experience of Credit/Fraud Risk strategy development.

Preferred Knowledge Of Credit/fraud Risk Analytics

• Work closely with cross functional teams, including business stakeholders, MRM and governance teams, and strategy implementation teams. 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 & queries from Independent Risk
• Strong analytic, strategic and project management skills
• Create story boards, presentations and project plans for discussions with senior management – drive insights
• Utilize UNIX and Statistical Analysis System (SAS) to perform risk, financial and data analyses including profiling, sampling, reconciliation, and hypothesis testing
• Knowledge and experience of statistical procedures and financial analytic tools. (SQL, R, Python, Hadoop, Spark, SAS) and Machine Learning knowledge preferred

Education

• Advanced Degree (Masters required) in Statistics, Applied Mathematics, Operations Research, Economics, MBA (Finance), or other highly quantitative discipline

Other Details

• Work timings are 1:00 PM-10:00 PM IST

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Job Family Group

Decision Management

Job Family

Business Analysis

Time Type

Full time

Most Relevant Skills

Please see the requirements listed above.

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

Equal Opportunity Statement

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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