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The Credit Portfolio Senior 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 employee will play a critical role in delivering a holistic analytical understanding of portfolio performance for our $80Bn Cards and Personal Installment Loan portfolio at a level of granularity commensurate with the complexity of our business. A solid understanding of Risk & Return performance at this level of granularity is key to making good decisions that drive the business forward and to proactively address opportunities and / or risks.
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 Company, 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
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
0-3 years’ experience in financial, economics or other analytical capacity in a relevant field (Experience can be offset by Master’s Degree or PhD)
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
Experience with analytical or data manipulation tools (e.g. SAS, SQL, R, SPSS)
Proficient with MS Office suite
Excellent quantitative and analytic skills; ability to derive patterns, trends and insights, and perform risk/reward trade-off analysis
Ability to build effective presentations to communicate analytical findings to a wide array of audiences. Good written and verbal communication skills, with ability to connect analytics to business decisions; comfortable presenting to peers and management
Bachelors Degree required in statistics, mathematics, engineering, physics, economics, or related quantitative discipline
Grade :All Job Level - All Job FunctionsAll Job Level - All Job Functions - US
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