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Risk Decision Model Development Intermediate Analyst

https://www.citi.com/ Logo

Citi

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Location:
India , Bengaluru

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Category:
Finance

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Contract Type:
Not provided

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Salary:

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Job Description:

This position is with US Consumer Cards (USCC) Risk Modeling Solutions (RMS). This specific role supports the US Consumer Bank’s Branded Cards portfolios. Citi-branded card products include its proprietary portfolio and co-branded cards. In this role, you will play a critical part in developing advanced Risk Decision Models that power strategic decision‑making across the organization. You will work with large and complex datasets – including traditional and alternate data sources – to build high‑performing analytical solutions. A key objective of this role is to drive the adoption of AI across risk decisioning, where proficiency in Generative AI (GenAI), Large Language Models (LLMs), and Agentic Architectures will be a significant advantage. You will apply cutting‑edge Machine Learning and statistical techniques and collaborate across functions to deliver models that are robust, compliant, and aligned with evolving business needs.

Job Responsibility:

  • Build Risk Decision Models using Machine Learning, advanced statistical methods, and numerical algorithms
  • Develop, validate, and enhance models that support risk strategies
  • Leverage tools such as Python, SAS, PySpark, and other analytical platforms to extract, clean, and transform data
  • Engage with both traditional and alternate data sources, performing data preparation, feature engineering, and variable selection
  • Own the complete model development lifecycle including: Problem definition & model design, Data preparation, Model training, testing, and tuning, Out‑of‑sample and time‑based validation, Comprehensive documentation, Stakeholder presentations and model governance interactions, Implementation support with Technology teams
  • Partner with Technology, Risk Policy, Governance, and Product teams to ensure seamless execution and timely delivery
  • Communicate complex analytical concepts clearly to both technical and non‑technical audiences

Requirements:

  • 4+ years of hands‑on experience in Risk Modeling
  • Strong foundation in statistical modeling, econometrics, Machine Learning, numerical methods, and industry best practices for model development and validation
  • Proven experience developing or supporting risk models
  • Proficiency in analytical and data manipulation tools such as Python, SAS, SQL, R, and Spark
  • experience working in Big Data environments is highly desirable
  • Strong working knowledge of the MS Office suite, especially Excel and PowerPoint
  • Excellent written and verbal communication skills
  • Highly self‑motivated, detail‑oriented, and able to work independently while collaborating effectively with cross‑functional teams
  • Demonstrated intellectual curiosity and commitment to continuous learning
  • Bachelor’s/ University degree in quantitative discipline (STEM: Science, Technology, Engineering, Mathematics or Statistics, Economics, Data Science). Master’s/PhD degree is a plus

Nice to have:

Additional hands‑on expertise in Generative AI, Large Language Models (LLMs), or Agentic Architectures is a strong plus

Additional Information:

Job Posted:
March 19, 2026

Employment Type:
Fulltime
Work Type:
Hybrid work
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