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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 Intermediate Analyst 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.

Responsibilities:

• Prepare clear, structured presentations for senior analysts and managers, ensure strong documentation, audit readiness, and control discipline.

• Participate in regular risk review forums as an analytical contributor.

• Act as a trusted advisor to senior risk and business leaders.

• Present insights and recommendations in clear, executive-ready narratives.

• Lead discussions in risk governance forums.

• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Skills:

• Advanced SQL; strong experience in SAS and/or Python.

• Strong command of credit risk analytics: vintage, segmentation, forecasting.

• Good understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk, with demonstrated experience in reviewing these factors and challenging any discrepancies.

• Expertise in translating analytics into business decisions.

• Advanced PowerPoint storytelling and data visualization.

• Deep understanding of credit card lifecycle and risk economics.

• Ability to influence decisions through data and judgment, Strong strategic thinking and problem structuring.

• Willingness to learn and take increasing ownership.

• Ability to work collaboratively across teams.

• Clear and concise written and verbal communication.

Qualifications:

• 4+ years of relevant experience in credit card risk analytics, consumer lending, or financial analytics.

Education:

• Bachelor's /University degree or equivalent experience in business, Statistics, Mathematics, Finance, Economics, or related quantitative fields.

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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

For complementary skills, please see above and/or contact the recruiter.

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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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