Model​/Analysis​/Validation Senior Analyst

Citibank, N.A. seeks a Model/Analysis/Validation Senior Analyst for its Schaumburg, Illinois location.

Duties:
Design and implement machine learning models (XGBoost, LightGBM, Neural Networks) tailored for Citi Cards portfolios to improve credit decisions. Build algorithms that generate credit decline reasons based on model outputs. Develop frameworks for feature selections, capping/flooring logic and hyperparameter optimization to streamline modelling processes across teams. Experiment with statistical segmentation methods to group customers by risk profiles and behavioral patterns.

Identify and engineer predictive variables that capture customer delinquency risk using automated feature importance techniques like LightGBM. Conduct data analysis using tools like Python, SAS, SQL and Spark to access model performance and identify risks. Create documentation for Model Risk Management (MRM), including rationale for model choices, adverse action logic, and model monitoring plans. Collaborate with Risk Policy and Governance teams to ensure models are integrated into decision strategies and meet compliance standards.

A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite, in accordance with Citi policies and protocols.

Requirements:
Requires a Master's degree, or foreign equivalent, in Information Technology and Management, Statistics, Mathematics, Data Science or related field and 3 years of experience as a Risk Policy Senior Analyst, Analyst-Data Services, Data Analyst or related position using quantitative and analytic skills to derive data patterns, trends, and insights. Alternatively, employer will accept a Bachelor's degree in the stated fields and 5 years of progressively responsible, post-baccalaureate experience.

3 years of experience must include:
Data Analysis to identify risks;
Data Mining;
Using Python and SQL for data-driven analytics;
Implementation of robust data quality checks and reconciliation processes across large-scale datasets to ensure accuracy and consistency; and Liaising with cross-functional business partners including business, into production deployment. Applicants submit resumes at  Please reference Job  #. EO Employer.

Wage Range:
$142,210 to $142,210

Job Family Group:
Risk Management

Job Family:
Model Development and Analytics

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- ** Job Family Group:*
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- ** Job Family:*
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- ** Time Type:*
* Full time

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- ** Primary

Location:

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* Schaumburg Illinois United States

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- ** Primary Location Full Time Salary Range:*
* 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  Available offerings may vary by jurisdiction, job level, and date of hire.

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- ** Most Relevant Skills*
* Please see the requirements listed above.

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- ** Other Relevant Skills*
* For complementary skills, please see above and/or contact the recruiter.

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- ** Anticipated Posting Close Date:*
* Aug 12, 2026

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- _Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._

_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 () ._

_View Citi's EEO Policy Statement ()  and the Know Your Rights (https://(Use the "Apply for this Job" box below). EEOC Know Your Rights
6.)  poster._

Citi is an equal opportunity and affirmative action employer.

Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.