Credit Portfolio Officer

Citi • Wilmington, DE

2d • $151,200 - $175,000 • Hybrid

About The Position

Citibank, N.A. seeks a Credit Portfolio Officer for its Wilmington, Delaware location. This role involves performing quantitative and statistical analyses to identify high-risk pockets and emerging risks. The officer will design credit tests and develop underwriting and line assignment strategies. A key responsibility is to develop a framework for portfolio risk assessment, including the evaluation of credit and financial performance in credit card products, and recommend requisite strategies for tightening and expansion within risk appetite. The role also entails developing analytical insights and reporting to measure and monitor acquisition performance, interpret trends, and explain key drivers to the leadership team. Ensuring flawless timely execution of robust compliant policies is crucial. The officer will evaluate partnerships based on an understanding of cards and lending profit and loss dynamics. This position requires leveraging knowledge of applicable credit policies and industry regulations, and analyzing the impact of these governance elements on product initiatives. The role utilizes Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial, and data analyses, including profiling, sampling, forecasting, and new program due diligence. 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 Bachelor’s degree, or foreign equivalent, in Statistics, Business Analytics, Computer Engineering, or a related field
• 5 years of progressive, post-baccalaureate experience as a Credit Risk Analyst, Data Analyst, Risk Manager, or related position involving quantitative and statistical analyses for risk management.
• 5 years of experience must include: Credit risk management
• 5 years of experience must include: Underwriting and line management strategy development
• 5 years of experience must include: Statistical analysis and quantitative analytics
• 5 years of experience must include: Behavioral segmentations
• 5 years of experience must include: Predictive power and model stability validation
• 5 years of experience must include: Automation of reporting
• 5 years of experience must include: Profit and loss analysis
• 5 years of experience must include: SAS, SQL, Tableau, Unix.

Responsibilities

• Perform quantitative and statistical analyses to identify high-risk pockets and emerging risks.
• Design credit tests and develop underwriting and line assignment strategies.
• Develop framework for portfolio risk assessment including evaluation of credit and financial performance in credit card products, and recommend requisite strategies for tightening and expansion within risk appetite.
• Develop analytical insights and reporting to measure and monitor acquisition performance, interpret trends, and explain key drivers to leadership team.
• Ensure flawless timely execution of robust compliant policies.
• Evaluate partnerships based on understanding of cards and lending profit and losses dynamics.
• Leverage knowledge of applicable credit policies and industry regulations, and analyze impact of those governance elements to product initiatives.
• 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.

Benefits

• medical, dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• wellness programs
• paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior