Data Science

Role Description

• The role will be Spec Analytics Intmd Analyst in the Data Science and Modeling of North America Credit Cards team
• The role will report to the AVP / VP leading the team

What do we offer: The Next Gen Analytics (NGA) team is a part of the Analytics & Information Management (AIM) unit. The NGA modeling team will focus on the following areas of work:

Role Expectations:

• Client Obsession – Create client centric analytic solution to business problems. Individual should be able to have a holistic view of multiple businesses and develop analytic solutions accordingly.
• Analytic Project Execution – Own and deliver multiple and complex analytic projects. This would require an understanding of business context, conversion of business problems in modeling, and implementing such solutions to create economic value.
• Domain expert – Individuals are expected to be domain expert in their sub field, as well as have a holistic view of other business lines to create better solutions. Key fields of focus are new customer acquisition, existing customer management, customer retention, product development, pricing and payment optimization and digital journey.
• Modeling and Tech Savvy – Always up to date with the latest use cases of modeling community, machine learning and deep learning algorithms and share knowledge within the team.
• Statistical mind set – Proficiency in basic statistics, hypothesis testing, segmentation and predictive modeling.
• Communication skills – Ability to translate and articulate technical thoughts and ideas to a larger audience including influencing skills with peers and senior management.
• Strong project management skills.
• Ability to coach and mentor juniors.
• Contribute to organizational initiatives in wide ranging areas including competency development, training, organizational building activities etc.

Role Responsibilities:

• Incumbents are required to work with large and complex data sets using a variety of tools (Python, PySpark, SQL, R etc.) to build modeling solutions for various business requirements
• Primary focus areas would be Model building, model validations, model implementation and model governance related responsibilities for multiple portfolios
• Responsible for documenting data requirements, data collection / processing / cleaning, and exploration data analysis, which may include utilizing statistical models / algorithms and data visualization techniques
• Incumbents in this role may often be referred to as Data Scientists
• Specialization in marketing, risk, digital and AML fields possible
• The analyst will work with other members of the team and business partners to jointly build model driven solutions using traditional methods (Linear, Logistic, Segmentation etc.) as well as Machine Learning driven modeling solutions
• Work with model governance & fair lending teams to ensure compliance of models in accordance with Citi standards
• Appropriately assess risk when business decisions are made, demonstrating 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

What do we look for: If you are a bright and talented individual looking for a career in AIM, Citi has amazing opportunities for you.

• Bachelor’s Degree with atleast 6 years of experience in data analytics, or Master’s Degree with 5 years of experience in data analytics, or PhD.
• Technical Skills + Sound knowledge of machine learning/deep learning and statistical modeling techniques. + Experience working with Machine Learning software frameworks and relevant Python libraries e.g., scikit-learn, xgboost, Keras, NLTK, BERT, TensorFlow etc., + Hands-on experience in PySpark/Python/R programing along with strong experience in SQL. + Experience working with large and multiple datasets, data warehouses and ability to pull data using relevant programs and coding. + Strong background in Statistical Analysis.
• Self-motivated and able to implement innovative solutions at fast pace
• Structured thought process to identify, clearly articulate and solve complex problems and present them to the management in a structured and simpler form
• Experience in Credit Cards and Retail Banking is preferred
• Competencies + Strong communication skills + Multiple stake holder management + Strong analytical and problem solving skills + Excellent written and oral communication skills + Strong team player + Control orientated and Risk awareness + Working experience in a quantitative field + Willing to learn and can-do attitude + Ability to build partnerships with cross-function leaders

Preferred qualifications:+ Experience working on Transformers/ LLMs (OpenAI, Claude, Gemini etc.,), Prompt engineering, RAG based architectures and relevant tools/frameworks such as TensorFlow, PyTorch, Hugging Face Transformers, LangChain/Graph, LlamaIndex etc., + Understanding of transformers/language models + Familiarity with vector databases and fine-tuning techniques

Education:+ Bachelor's / Master’s degree in Economics / Statistics / Mathematics / Information Technology / Computer Applications / Engineering etc. from a premier institute

Other Details+ Employment: Full Time + Industry: Credit Cards, Retail Banking, Financial Services, Banking ------------------------------------------------------

Job Family Group: Decision Management ------------------------------------------------------

Job Family: Specialized Analytics (Data Science/Computational Statistics) ------------------------------------------------------

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. ------------------------------------------------------ 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. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.