22551142 Credit Portfolio Sr Analyst-C12 - Hybrid
Job Description
The Credit Portfolio Senior Analyst is an intermediate-level position
responsible Acquisition Strategies for all Retail Credit Card Portfolios such as Home Depot, Best Buy and Macy's. As part of the Citi Retail Services Risk team, the successful candidate will be responsible for developing, analyzing and executing ideas and initiatives designed to achieve business growth and loss mitigation goals related to new accounts.
The ideal candidate will have experience in credit risk management, strong statistical and data analysis skills and technical skills in SAS, SQL or similar. This position will have high cross-functional and partner interactions. The candidate will have a demonstrated record of performance including balancing portfolio growth and profitability in a sophisticated, fast-paced consumer credit environment complimented by overall business judgment of the balance between risk and reward for the portfolio..
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) or SQL 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
- Can exercise independence of judgement and autonomy.
- 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:
- 3+ years of experience in credit card risk management or equivalent training and experience preferably in the financial services industry
- Demonstrated interpersonal, organizational and analytic skills
- Excellent verbal and written communication and presentation skills
Education:
- Bachelor's degree/University degree or equivalent experience
- Master's degree preferred