The Credit Portfolio Officer is a senior-level position responsible for leading activities including credit review, credit approvals 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 client and counterparties globally.
Responsibilities:
- Develop framework for portfolio risk assessment including evaluation of credit and financial performance across varied lending products and industry segments
- Understand applicable credit policies, industry regulations and the requisite impact of those governance items to prospective new partners or product initiatives
- Establish and leverage cross-functional partnerships and network with key internal and external constituencies
- Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, forecasting and new program due diligence
- Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity
- Has the ability to operate with a limited level of direct supervision.
- Can exercise independence of judgement and autonomy.
- Acts as SME to senior stakeholders and /or other team members.
- 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.
Qualifications:
- 10+ years of experience in credit card risk management or equivalent training and experience preferably in the financial services industry
- Proven ability to apply credit and risk principles toward business goals
- Demonstrated ability to synthesize and prioritize
- Proven ability to remain organized in a fast-paced environment
- Demonstrated interpersonal, organizational and analytic skills
Education:
- Bachelor's degree/University degree or equivalent experience
- Master's degree preferred
This is a critical role on the Strategic Initiatives team. This role will primarily focus on Cross Portfolio Analytics, developing Risk appetite benchmarks while ensuring sustainable growth, driving ROTCE integration into decision making.
- 10+ years of experience with analytical or data manipulation tools (e.g., SAS, SQL, R, SPSS)
- Experience with econometric and statistical modeling or application risk scoring
- Experience in big data with knowledge of probabilities/distributions, building decision trees and regression models
- Proficiency in MS Office
- Proven ability to derive patterns, trends and insights, perform risk/reward trade-off analyses and connect these analytics to business impacts
- Demonstrated quantitative, presentation and analytic skills
- Consistently demonstrate clear and concise written and verbal communication
This is an Individual Contributor role
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Job Family Group:
Risk Management------------------------------------------------------
Job Family:
Portfolio Credit Risk Management------------------------------------------------------
Time Type:
Full time------------------------------------------------------
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.------------------------------------------------------
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------
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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Top Skills
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.
