The Credit Portfolio Senior Analyst is an intermediate-level position responsible for developing Risk Segmentation, Underwriting, Line management, Account management strategies and models.

Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management

Responsibilities:

• Develop recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques
• Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing
• Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required
• Participate in developing, testing, and optimizing credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives
• Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management
• 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:

• Advanced Degree (Masters required) in Statistics, Applied Mathematics, Operations Research, Economics, MBA (Finance), or other highly quantitative discipline
• 7+ years’ experience in performing quantitative analysis in Consumer Credit Risk
• Hands on experience of Risk Strategy Development procedures and concepts, ability to apply credit and risk principles toward business goals
• Strong technical skills in statistical procedures is required (regression, decision trees, linear/nonlinear optimization etc.)
• Proficiency in SAS/SQL/Oracle/Unix/Microsoft Word, Excel and PowerPoint
• Strong communication skills to present technical information verbally and in writing to both technical and non-technical audiences is required.
• Machine Learning knowledge is preferred
• Big Data/Python concepts understanding is preferred
• Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
• Proven ability to remain organized in a fast-paced environment, managing multiple projects
• Proven interpersonal, organizational and analytic skills

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Job Family Group:

Risk Management

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Job Family:

Credit & Portfolio Risk Management

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Time Type:

Full time

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Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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