Job Purpose:

The identification, measurement and control of credit and lending risks for Collections/Recovery 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 Background/Context:

The role of Collections/Recovery Strategy Analyst within the UK Analytics function will involve the development, validation and tracking of all Collections/Recovery strategies across the UK Consumer businesses within Citi and Egg; Credit Cards, Retail banking, Personal Loans and Mortgages.

Job Responsibilities:

Accurate tracking and monitoring of Collections and Recovery strategies in place on a regular basis.

Development and recommendation of loss mitigating customer Collections and Recovery strategies in line with business requirements, specifically

focusing on optimising and challenging the Past Due, Bucket 1, Bucket 2, Overlimit, and Recovery strategies as directed by the

Collections/Recovery 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 Collections/Recovery 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 team

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

Adaptability