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Credit Portfolio Senior Analyst

Job Req ID 21322576 Primary Location Elk Grove Village, Illinois Job Category Risk Management
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The Credit Portfolio Senior Analyst is an intermediate-level position in Citi Retail Services risk Management team, responsible for developing, analyzing and managing risk strategies, loss forecasting models and portfolio key trends. Candidate will work in a cross-functional environment with internal business partners such as Finance, Operational Teams, Legal/Compliance and Partner Management. The role requires strong statistical/data mining, analytical and technical SAS skills.  The successful candidate will be able to drive rigorous analytically derived results and objective recommendations which balance risk and reward for the portfolio. 


  • Ability to leverage credit risk data experience and business acumen to observe key trends / risks and drivers of those observations
  • Strong ability to translate business objectives into analytical framework and solve them by using optimal trade-offs between risk and revenue metrics
  • Ability to work efficiently balancing between both business and functional interactions/priorities
  • Provide simple, concise and clear communications of complex data trends and analyses on portfolio performance, emerging trends and areas of opportunity to senior management, SCO and the business.
  • Utilize SAS/SQL in a UNIX environment to perform risk, and data analysis including profiling, sampling, reconciliation, forecasting, modeling and quality testing
  • Be able to drive and deliver innovative analytical techniques and data strategies to enable best in class risk management


  • Preferably 2 - 4 years of experience in credit card risk management
  • Understanding of consumer credit risk management and Credit Card Profit & Loss Drivers
  • Ability to apply credit and risk principles towards business objectives
  • Must be highly organized and able to work in a fast paced environment managing multiple projects and possess strong interpersonal, organizational and analytic skills
  • Proficient SAS/SQL programming skills and advanced spreadsheet skills. Knowledge and experience of segmentation, statistical procedures, and financial analytic tools are required

Strong verbal and written communication skills


  • BA/BS degree or equivalent in Quantitative Fields such as Economics, Engineering, Statistics, Business Finance, or Mathematics (Master’s degree preferred)


Job Family Group:

Risk Management


Job Family:

Credit & Portfolio Risk Management


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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