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Strategic development and execution of advanced analytics for the Citi US Consumer Cards Retention program, encompassing both Account Retention and Pre-emptive Retention
Perform data analysis to identify customer behavior patterns across Phones, Digital, and Email channels, translating insights into targeted omni-channel marketing recommendations
Project management to build consensus and to maximize revenue and optimize portfolio value within the credit card business
Design, implement, and evaluate experimental designs, including A/B tests, partial-factorial, and full-factorial experimental designs, for testing new offers, products, strategies, and Existing Customer Management (ECM) initiatives
Provide actionable insights to continuously refine and recommend future offerings and strategies across all retention channels
Manage advanced segmentation and targeting models for credit card retention campaigns
Establish robust forecasting and performance measurement methodologies to predict and track impact
Formulate and present data-backed recommendations for future enhancements, strategic business opportunities, and operational policy adjustments for credit card retention
Identify attrition risks and the development of strategies to mitigate them
Translate complex analytical outputs into actionable credit card customer behavioral insights, and communicate findings to senior leadership
Collaborate closely with modeling team, providing business expertise on using advanced Machine Learning techniques
Work with relevant metrics for monitoring, validation, and optimization of predictive models
Drive continuous innovation in credit card retention analytics by actively researching, evaluating, and integrating cutting-edge data sources, advanced analytical tools, and technological capabilities to enhance the strategic efficacy and operational efficiency of retention programs
Lead the acquisition, integration, and analysis of diverse operational data sets from various internal and external sources to conduct comprehensive exploratory and confirmatory data analysis, providing insights into historical credit card portfolio performance and future retention opportunities
Ensure strict adherence to Control & Compliance frameworks including Model Risk Management (MRM), End User Computing (EUC), and Legal & Fair Lending guidelines
Meet audit and control requirements pertaining to credit card retention analytics, data governance, and program execution
A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite, in accordance with Citi policies and protocols
Requirements
Master's degree, or foreign equivalent, in Engineering (any), Business Analytics or related field and 1 year of experience as a Credit Portfolio Senior Analyst, or related position involving analyzing data to monitor profitability, optimize revenue and costs for credit cards
Alternatively, employer will accept a Bachelor's degree in the stated fields and 3 years of the specified experience
Full span of experience must include: PySpark and HIVE within distributed computing environments, including EAP, for data manipulation, feature engineering, and statistical modeling for credit card transactional and behavioral data
SAS programming for data extraction from Teradata warehouses
Data transformations and developing predictive models for credit card revenue forecasting and credit card retention propensity scoring
SQL for query development, data extraction, and ad-hoc analysis from large-scale relational databases including Teradata
Profit and Loss (P&L) analysis for credit card portfolios
Developing comprehensive simulation scenarios to optimize portfolio performance
Data visualizations and dashboards using Tableau
Presenting to senior leadership
BASH scripting, Excel and VBA macros
What we offer
medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays