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The Risk Policy Intmd 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 subfunction/ 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.
Job Responsibility:
Design and manage collection strategy across portfolio and buckets for pre-write off accounts
Regularly review policy and performance
Regularly review segmentation/collection treatments and identify business opportunity with analytic support
Leverage sophisticated statistical tools like TRIAD/ decision tree, etc. are as keys to segment portfolio and implement targeted actions
Manage the TRIAD application and ensure correctness of execution
Implement champion/challengers and support roll out based on cost/benefit justification
Review, implement and ensure collection policy/procedure is in compliance with local and global regulations and policy requirements
Ensure effectiveness and validity of scoring models
Ensure that the quality of the portfolio is within standard by monitoring and reviewing performance in terms of delinquency, credit losses, profitability and booking profile at segment and vintage levels
Generates, analyzes, and presents relevant performance MIS/reports
Aids initiatives on new volume growth, process streamlining, and compliance to global credit and risk policies and local laws and regulations
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
Requirements:
4-10 years of experience in UAT, Banking domain
Knowledge of Banking, Finance, Retail Credit risk, CCAR framework
Hands on UAT experience in manual / automation testing
Experience working in Waterfall and Agile methodologies
Hands on knowledge on SQL, PYTHON, SELENIUM, JAVA
Ability to interpret business/user requirements to develop scripts, scenarios and set up automation framework to automate manual validations like UI testing, Data validation
Proficient in MS Office applications (Excel, Word, PowerPoint)
Bachelor’s/University degree or equivalent experience
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