• Competitive
  • Wilmington, DE, USA
  • Permanent, Full time
  • Citi-US
  • 2018-09-24

VP - Specialized Analytics Lead (Credit Line Management)

VP - Specialized Analytics Lead (Credit Line Management)

  • Primary Location: United States,Delaware,Wilmington
  • Education: Bachelor's Degree
  • Job Function: Decision Management
  • Schedule: Full-time
  • Shift: Day Job
  • Employee Status: Regular
  • Travel Time: Yes, 10 % of the Time
  • Job ID: 18042902


Branded Cards North America (N.A.) is the market leader in the credit card industry. With a pre-eminent global brand and distribution, Branded Cards N.A. maintains its leadership position by delivers industry-leading products, advanced services and payment systems that address clients' evolving needs.  
Integral to Citi Cards' success is the introduction of innovative products and solutions through strong partnerships and dedicated employees who are committed to excellence. Attracting market-leading talent is a priority at Citi Cards N.A., and the combination of financial strength and broad product scope provides rewarding opportunities for outstanding professionals to excel in a dynamic organization

Key Responsibilities:

The Credit Line Management responsibilities include:
  • Develop and implement world class Existing Customer Line Management strategies including reactive/proactive line increase, line reduction and line reallocation to drive sustainable business growth and customer loyalty. 
  • Develop credit line increase targeting criteria as well as assigning appropriate CLI amount by leveraging advanced machine learning techniques such as GBM/XGBoost, SVM, Random Forests, Ensemble learning methods, Hierarchical Clustering and leveraging A/B test or multivariate test design.
  • Create and maintain the existing customer line management principles and framework.
  • Incorporate consumers' behavior and sensitivity into line increase/decrease actions to satisfy card members' revolving and spending needs.
  • Work closely with business partner in Decision Management, Risk Management, Marketing, Finance, Legal and Compliance.
  • Explore and evaluate new data sources and techniques to enhance decision.
  • Manage projects effectively - define scope, direct and prioritize resources, deliver on time and generate the best outcome.
  • Understand Citi Product P&L and its drivers. expense-revenue tradeoff for call deflection and call containment.
  • End to end project management to develop strategy, build consensus across cross functional stake-holders and implement recommendations.
  • Design tests and evaluate incremental P&L impact of CLI across channels.


  • Bachelors level degree required in Business Analytics, Statistics, Economics, or Engineering (Graduate level is preferred)
  • Superior analytical and practical problem solving abilities
  • Extensive experience in Python, R, SAS & SQL.
  • Demonstrated ability in data retrieving and manipulation as well as proficient analytical skills.
  • Expertise in machine learning methods (Deep Learning, GBM, SVM) is preferred.
  • Working experience in Credit Card industry with focus on quantitative analytics is preferred
  • Excellent interpersonal, influencing, and organizational skills
Wilmington, DE, USA Wilmington DE US