eFinancialCareers

• Company

  Citi

• Location

  UK-North East

• Remuneration

  not disclosed

• Position Type

  Employee

• Employment type

  Full time

• Updated

  04 Jul 2008

• eFC Ref no

  419360

Job Purpose:

The identification, measurement and control of credit and lending risks for Portfolio strategies. The maintenance of margins and reduction of losses are a key component of this role, which will enable the business to grow and optimise profitability.

Job Backround:

The role of Portfolio Strategy Analyst reporting to the Portfolio Strategy Development Manager will involve the development, validation and tracking of all Portfolio strategies across the UK Consumer businesses within Citi and Egg; Credit Cards, Retail banking, Personal Loans and Mortgages.

Job Responsibilities:

Accurately tracking and monitoring Portfolio decision strategies in place on a regular basis

Development and recommendation of profitable customer Portfolio strategies in line with business requirements, specifically focusing on optimising and challenging the Authorisation, Re-issue, Credit Line Management, CREW and Xsell strategies as directed by the Portfolio Strategy Manager.

Highlighting opportunities to improve decisions through recommendations backed up with analysis.

Optimisation of risk segmentation, creating opportunities and achieving NCL targets through CHAID analysis, by business and product.

Provide Analytical support assisting the Portfolio Strategy Manager in project work to meet business objectives

Investigation of data anomalies through self initiated analysis.

Development of strategy refinements, calculating the expected vs. actual impact and tracking to benchmarks.

Adherence to Regional and Global credit policy.

Job Development Value:

Candidates can look forward to rotation within the Country/Regional Risk

Skills

Required Knowledge:

Experience working in an analytical role within a Credit Risk Management Function.

Proven experience in Credit Risk strategy development

Good understanding of score models, including the development, validation and strategic use.

SAS programming experience.

Understanding of decisioning systems i.e. Blaze, TRIAD, Strategy Manager, KnowledgeSTUDIO or similar segmentation software.

Required Skills: Ability to understand the business model and understand the potential impact of change.

Strong numerate and analytical skills.

Excellent verbal and written communication skills.

Experience in problem analysis, data interpretation with logical reasoning.

Creativity and innovation

Flexibility and ability to work under pressure.

Good planning and effective workflow management to meet deadlines.

Required Qualifications:

Degree (demonstrating high numeracy skills) or demonstrated relevant experience.

Required Competencies:

Analytical

Strong communication skills

Initiative