Serves as a key member of the Fair Lending Analytics and Monitoring ICRM team, which has responsibility for all data management, metrics and statistical analysis for the enterprise-wide fair lending compliance across Citi’s US businesses. The Data Science Lead Analyst will be required to conduct statistical analyses related to mortgages for both Retail and Wealth channels, focusing on fair lending aspect in order to identify and measure Citi’s exposure to fair lending risk. The position requires strong quantitative background, compliance risk management attitude, critical thinking skills, and experience in data validation.
Responsibilities
- Design and employ statistical analysis and modeling techniques to assist Fair Lending Analytics and Monitoring and all relevant business units in their compliance with Citigroup Fair Lending Policy and all Fair Lending laws and regulations.
- Document methodology and execution of analyses according to the established approached, following existing templates and practices.
- Contribute to enhancing the existing in-house fair lending analytical methodologies and practices used to identify fair lending risks through the entire mortgage lifecycle, including underwriting, pricing, and loss mitigation.
- Where applicable follow implemented processes for data mining, data assessment, validation, analysis, and correction to determine any limitations on reliability or usability.
- Support management during the work with examiners and business units to resolve any questions related to analytical methodology or data integrity.
- Support management in advising the business units, regulatory examiners, and other interested parties on quantitative methods and analysis, and presenting results in the form of articles, reports, or presentations.
- Develop and deepen Subject Matter Expertise in large Fair Lending, and HMDA as well as in specific fair lending analytics field through internal, external and on-the-job training.
- Special projects assigned at the direction of the direct manager.
- Additional duties as needed.
- This is an individual contributor position.
Qualifications
- Direct experience in fair lending and analytics strongly preferred. Hands-on experience with analysis using HMDA data and experience in analytics related to mortgages and housing market strongly preferred.
- Expertise and hands-on experience in advance programming using: SAS / R / Python, and SQL for basic data mining; additional experience and knowledge of Big Data tools preferred.
- In-depth knowledge and understanding, and demonstrated experience working with logistic regression model development, univariate and multivariable statistics, sampling designs, disparities analysis.
- Good communication skills (oral and written in English). Must be a team player and able to support team deliverables while delivering on individual responsibilities.
- Strong ability to work both collaboratively and independently. Knowledge of consumer lending products and regulatory requirements including ECOA and FHA preferred.
- Fair Lending knowledge and experience highly preferred.
- HMDA data and mortgage experience highly preferred.
Education
- Bachelor’s degree or 10+ years equivalent experience in a highly quantitative field, such as data science, applied economics, applied statistics, mathematics, or physics.
- 8+ years experience in a highly quantitative field, such as data science, applied economics, applied statistics, mathematics, or physics and Master’s degree preferred.
- 3+ years experience in a highly quantitative field, such as data science, applied economics, applied statistics, mathematics, or physics and Ph.D. preferred.
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Job Family Group:
Technology
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Job Family:
Data Science
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Time Type:
Full time
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Primary Location:
Irving Texas United States
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Primary Location Full Time Salary Range:
$125,760.00 - $188,640.00
In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
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Anticipated Posting Close Date:
Mar 28, 2025
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Citi is an equal opportunity and affirmative action employer.
Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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.
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What We Do
Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients. We have 200 years of experience helping our clients meet the world's toughest challenges and embrace its greatest opportunities. We are Citi, the global bank – an institution connecting millions of people across hundreds of countries and cities.
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