Credit Portfolio Officer

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Job Overview

Citibank, N.A.  seeks a Credit Portfolio Officer for its Irving, TX location.

Duties: Develop and deploy credit policy for consumer lending portfolios, including use of credit predictive models using logistic regression, machine learning, and/or decision tree-based algorithms. Develop framework for portfolio risk assessment including evaluation of credit and financial performance across varied lending products and industry segments. Establish and leverage cross-functional partnerships and networks with key internal and external constituencies. Utilize SQL and Statistical Analysis System (SAS) 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 of expected portfolio performance and areas of potential risk and/or opportunity. Act as a subject matter expert to senior stakeholders and/or other team members. Implement contractual analytics requirements and portfolio risk controls specific to cobrand credit card portfolio relationships and liaise as necessary with external cobrand clients. A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite in accordance with Citi policies and protocols.

Requirements: Bachelor’s degree, or foreign equivalent, in Business Analytics, Project Management, Mathematics, Quantitative Science, or a related field, and four (4) years of experience in the job offered or in a related quantitative occupation performing data analysis within the financial services industry. Four (4) years of experience must include: Retrieving consumer credit data from relational databases using SQL and SAS, Python, or R; Creating credit predictive models for consumer lending portfolios using logistic regression, machine learning, or decision tree based algorithms; Utilizing SQL and SAS in a UNIX environment to perform risk, financial, and data analyses including profiling, sampling, forecasting, and conducting new program due diligence; and Preparing risk management presentations for senior management including analytics of expected portfolio performance and areas of potential risk or opportunity. In the alternative, employer will accept a Master’s degree and two (2) years of experience. Employer will accept pre- or post- Master’s degree experience. 40 hrs./wk. Applicants submit resumes at https://jobs.citi.com/.  Please reference Job ID #25888081. EO Employer.

Wage Range:                $123,400.00 to $167,500.00

Job Family Group:         Risk Management

Job Family:                   Portfolio Credit Risk Management

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Time Type:

Full time

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Primary Location:

Irving Texas United States

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Primary Location Full Time Salary Range:

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

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Most Relevant Skills

Please see the requirements listed above.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Sept 18, 2025

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