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Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of approximately 219,000 dedicated people from around the globe. At Citi, youll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

The Credit Portfolio Analyst II is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.

Role Summary:

• Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses

• Support tactical and strategic Risk Analytics projects for U.S. Consumer Cards

• Independently manage development and implementation of effective risk management strategies that balances the risk and reward of the portfolio

• Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes

• Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies.

• Must be able to effectively provide updates and communicate key initiatives to senior risk management.

• Analyze tests and performance using SAS and decision tree (CHAID/ CART)

• Evaluate effectiveness of current policies and strategies

Responsibilities:

• Must have capability to clearly develop and communicate analysis

• A good understanding of credit life cycle

• Must have hands on expertise in developing and managing segmentations

• Presentations to both technical and non-technical personnel are required to be made frequently as part of the job

• Ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities.

Skills:

• 1-3 years of relevant experience

• Experienced in developing, implementing, and monitoring credit strategies or scoring models across authorizations, underwriting, existing customer management and collections

• Programming skills in advanced SAS, SQL, Knowledge Studio, SAS E-miner in mainframe, UNIX and PC environments.

• Highly proficient in Excel/pivot tables and PowerPoint.

• Exposure to project/process management

• Strong communication and presentation skills targeting a variety of audiences

• Flexibility in approach and thought process Strong influencing and facilitation skills.

Education:

• Bachelor's degree/University degree in Mathematics/ Statistics/ Economics or equivalent experience

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.

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Other Relevant Skills

Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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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.

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