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Senior Business Analyst - Retail Risk

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  • Banking & Finance
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Job Details

Contribute to the development of over-arching strategies for risk information systems, particularly by way of representing needs associated with assigned subject areasPartner with risk process owners, enterprise and risk technology teams to meet program objectives and contribute to the successful closure of regulatory MOU, MRIA and MRA commitmentsPartner with risk management and enterprise & global consumer technology teams to deliver end-to-end solutions within assigned scope, with priority focus on program/project management and governanceScope extends across retail risk priority use cases (including retail Basel, CCAR, FDIC, Loss Mitigation) for one or more businesses across consumer, commercial, private bank and ICG lines of business, and across one or more geographiesEnsure requirements and solutions are aligned to, and where feasible accelerate delivery of target retail risk architecture (via the Retail Risk Target State)Maintain an advanced level of understanding of consumer and retail risk management processes, especially loss mitigation, collections, fraud and the Federal Reserve's expectations for i) capital planning and stress testing processes (e.g. CCAR/DFAST), and ii) regulatory capital determination (i.e. Basel ) and make use of this knowledge to provide retail regulatory and consumer risk management subject matter expertise to project teams in partnership with global retail risk policy heads to envision, guide/review and govern business requirements formation.Manage cross-functional dependencies and foster integration and coordination with other related significant projects, especially local and in-business priorities and dependencies.Partner with regional and local risk management, operations, and technology teams to drive adoption of global risk solutions and platformsDetermine the current state of data, business processes and controls in target markets; drive data quality improvements and process efficiencies through standardization and automationSupport migration to local MIS processes to global solutionsBuild partnerships to support continuous improvement of both regional and local processes, and global solutions alikeControl Information SystemsJob may entail development and/or management of risk technology change management processesJob may include a fulfillment role in technology change management processesSet expectations for, and review/approve various test casesPrioritize work and resolve routine conflicts and issuesQualifications University degree in business, finance, accounting or related field, or equivalent work experienceAt least 8 years of experience in retail risk managementGood understanding of key retail/consumer credit risk performance metrics, macroeconomic indicators, and general banking conceptsUnderstands retail risk management business processes, controls, and prioritiesand is adept at quickly assessing impacts, limitations and gaps within IT infrastructure on key retail risk business activities (e.g, regulatory reporting, modeling and analytics)Proven performance in roles requiring conceptual thinking and strong, creative analytic skillsClient Relationships/Business PartnershipsNavigates organizational complexity and demonstrates organizational savvyBuilds partnerships across business functions and geographical regionsCollaborates well with othersAble to operate effectively in a dynamic team environment, and promote an inclusive, transparent and responsive atmosphereAbility to independently and effectively work across all levels of management and across functions to accomplish the missionDemonstrated Communication and Presentation SkillsMust demonstrate perfected English (spoken and written)Well versed in breaking down complex matters into core issues and root causes that can be more readily addressedAbility to communicate complex issues with absolute precision and clarityAdditional QualificationsExperience in the design, implementation and governance of geographically diverse initiativesExperience in the design, implementation and governance of cross-functional risk programs, frameworks and processes across the credit life cycleStrong project management skills and ability to oversee several reports/projects at once. A PMP certification would be a definite assetFamiliarity with principles of information technology software development & change management methodologies (Agile, Waterfall)Demonstrated Leadership SkillsExperienced facilitator, especially in transitioning or challenged environmentsProvides leadership in the resolution of cross business/geography issuesEngages business and functional managers to mitigate risksAble to eliminate chaos and confusion. Prioritizes high impact potential problems effectivelyConsiders broad implications of decisions on different functions and unitsFocuses and guides the priorities of othersMakes well-reasoned decisions under pressureExperienced NegotiatorAble to identify and influence key decision makers across various levels and functions within the organizationAdept at diffusing conflict and working toward agreementsAt minimum, candidates are expected to demonstrate additional qualifications and proficiencies pertaining to assigned R RSSG delivery programsQualifications spanning several delivery programs are highly desirable, but are not required to applyAdditional Delivery Program-Specific QualificationsRetail Risk Data GovernanceExperience implementing and/or managing data governance frameworksExperience implementing and/or managing data quality systems, processes, and controlsExperience developing and/or managing data taxonomiesExperience designing and/or forming technical requirements for data governance-related technology solutionsRetail Basel & Consumer Risk Reporting/MIS ToolsGood understanding of regulatory capital computation and reporting requirements (Basel, FFIEC 101)Good understanding of Retail Basel (BCBS Revised Framework for International Convergence of Capital Measurement and Capital Standards) AIRB & Standardized approaches, and related publicationsGood understanding of principles of accounting for (bank) credit assets, capital and ALLL/LLRProficiency in the development of retail credit risk MIS, particularly for leadership and professional level usersRetail Risk Modeling & AnalyticsExperience conducting risk information analyticsGood understanding of data modeling principles/model development life cycleExperience designing or using big data installations would be definite assetRetail Risk General ApplicationsGood understanding of requirements relating to FRB-mandated CCAR reporting forms (FR Y-14Q, FR Y-14M, FR Y-14A)Good understanding of requirements relating to other regulatory reporting forms bearing relevance to retail banking exposures (FR Y-9C, FFIEC-031, FFIEC-101)Knowledge of pre-existant Citigroup computer applications used in Retail CCAR and Retail Basel (CitiRisk, GCBC)
Degree: MBA/ PGDM

Additional Degree: BA (Arts) | B.Com. (Commerce) | B.Pharm. (Pharmacy) | B.Plan. (Planning) | B.Sc. (Science) | BBA/ BBM/ BBS | BCA (Computer Application) | Diploma-Other Diploma | B.Ed. (Education) | BHM (Hotel Management)

Experience: 8-13


Personal/ Retail Banking | Relationship Mgmt | Risk/Credit/Economic Analyst
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