Analyst Jobs

About The Position

Requirements

• Bachelor's degree with 10 or more years of experience in product management, financial services, or a related field.
• Demonstrated ability to develop and manage unsecured lending products, with a track record of driving portfolio performance and profitability.
• Experienced operating in complex, matrixed organizations, with the ability to align cross-functional teams — including Risk, Marketing, Technology, and Analytics — around shared goals.
• Strong analytical and strategic thinking skills, with the ability to interpret financial and performance data and translate insights into clear product recommendations.
• Effective communicator and influencer, capable of building trusted relationships with senior stakeholders and driving alignment across diverse teams.
• Customer-first mindset, with a genuine understanding of consumer financial needs and a commitment to delivering experiences that add real value.
• Results-oriented approach, with the discipline to execute on plans, manage competing priorities, and deliver outcomes within defined timelines.

Nice To Haves

• MBA or equivalent advanced degree in a relevant field.
• In-market experience working within the U.S. consumer lending or credit cards industry.
• Background in credit risk, with familiarity of how risk frameworks intersect with product strategy and lending portfolio management.

Responsibilities

• Lead the implementation of the Balance Transfer product strategy across Citi Branded Cards, translating strategic direction into clear roadmaps and prioritized initiatives that deliver measurable portfolio growth.
• Define and enhance the Balance Transfer value proposition by building new capabilities and solutions in partnership with U.S. Branded Cards product and portfolio teams.
• Partner with Technology and Digital teams to design and deliver a seamless, end-to-end Balance Transfer customer experience across digital and physical touchpoints.
• Collaborate with Marketing, Risk, and Analytics teams to develop and deploy segmentation strategies, pricing models, and response optimization frameworks that improve profitability and customer take-up.
• Analyze product financial performance — including loans, originations, portfolio yields, net credit margin, return on assets, and NPS — and recommend targeted actions to improve returns.
• Identify and evaluate growth opportunities across Citi portfolios and external partnerships to expand and optimize Balance Transfer offers throughout the lending continuum.
• Maintain and strengthen the governance and control environment for Balance Transfer as a lending product, ensuring alignment with Citi's risk appetite framework.

Benefits

• 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