Credit Risk Lead Analyst - Vice President

Discover your future at Citi

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Job Overview

Are you looking for a career move that will put you at the heart of a global financial institution? Then bring your skills and experience in Risk Management or Finance within a major financial institution and proven track record of analysing complex financial data to Citi’s Portfolio Management Group (PMG).

By Joining Citi, you will become part of a global organisation whose mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.

Portfolio Management Group (PMG) is a risk management group covering Citi’s Banking and International segment.  The group establishes and monitors Wholesale Credit Limits, credit reserves, and stress testing. The Wholesale Credit Allowance Team within PMG is responsible for credit losses under US GAAP (CECL) requirements as reported in Citi's consolidated financial statements as well as legal vehicle financial disclosures. The team develops a recommendation for quarterly cost of credit, with a detailed analysis on the drivers for changes in both expected and actual credit losses. Quarterly credit loss reserves and stress testing results directly impact Citi’s earnings and capital plan.

What you’ll do:

The Portfolio Credit Risk Manager will contribute to the execution of quarterly credit loss requirements under the Current Expected Credit Loss (CECL) methodology. This includes portfolio level analysis and communication of results in senior governance meetings to conclude on credit loss reserve adequacy. The Portfolio Credit Risk Manager will work closely with various key stakeholders, including Risk, Finance, Businesses, regulators, and auditors. Specific responsibilities include:

• Perform in-depth analysis of financial and modeling data, including trends, variance, and macro-economic variable impact

• Prepare materials for various senior management meetings, as well as meetings with regulators and internal/external auditors

• Partner with various stakeholders to ensure accurate, detailed, and timely reporting of credit loss reserve results                                                                      

• Provide analytical support for Business/Finance reviews and ad-hoc requests

• Assist with implementation of key strategic projects and improvements to existing processes       

• Maintain detailed documentation on analyses, policies, procedures, and controls

• Assess impact to credit risk when business decisions are made, by applying sound ethical judgment that considers Citi’s reputation, clients, assets, and compliance with applicable laws, rules, regulations, and policies.

• Escalate any reporting or control issues timely and hold others accountable to also maintain these standards.

What we’ll need from you:

• 5+ years of work experience in Risk Management or Finance within a major financial institution

• Proven track record of analysing complex financial data and communicating conclusions to senior management in a high-profile environment

• Good working knowledge of wholesale banking products, credit risk management, and CECL requirements

• Familiarity with Risk, Collateral, and Finance reporting data infrastructures and platforms across multiple products, functions, and/or businesses preferred

• Strong analytical and problem-solving skills, including the ability to assimilate large amounts of information to arrive at well-reasoned conclusions

• Excellent proficiency in Microsoft Office – particularly Excel (metrics and data analysis), PowerPoint (presentation decks), and Word (writing and editing procedural and technical documentation); expertise with Tableau preferred

• Detail-oriented with strong organizational skills

• Strong verbal and written communication skills, with the ability to present complex concepts in a concise manner

• Strong interpersonal skills, ability to leverage relationships and work collaboratively across the organization

• Strong work ethic and ability to work in a fast-paced environment, exhibiting a high degree of flexibility

• Ability to manage multiple priorities and tasks, escalate concerns, and raise questions

• Bachelor’s/University degree with a major in Economics, Finance, Accounting, Statistics or Computer Science.

What we can offer you:

By joining Citi Solutions Center Poland, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed) and enjoy a whole host of additional benefits such as:

• Private Medical Care Program

• Life Insurance Program

• Pension Plan contribution (PPE Program)

• Employee Assistance Program

• Paid Parental Leave Program (maternity and paternity leave) 

• Sport Card

• Holidays Allowance

• Sport and team recreation activities

• Special offers and discounts for employees

• Access to an array of learning and development resources 

• A discretional annual performance related bonus

• A chance to make a difference with various affinity networks and charity initiatives.

Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day.  We want the best talent around the world to be energized to join us, motivated to stay, and empowered to thrive. 

Sounds like Citi has everything you need? Then apply to discover the true extent of your capabilities.

#LI-TM3

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Credible Challenge, Governance, Monitoring and Evaluation, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment, Risk Remediation.

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Other Relevant Skills

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

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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