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Global Credit Reserves Lead Analyst

Job Req Id:

26953797

Location(s):

Warsaw, Mazovia, Poland

Job Type:

Hybrid

Posted:

May. 21, 2026

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Job Overview

We are looking for an experienced Portfolio Credit Risk Manager to join our team.

In this role, you will be crucial in protecting the firm’s financial health by overseeing portfolio risk, ensuring the accuracy of our credit reserves, and providing effective governance and oversight.

You will be a key player in our Second Line of Defense, upholding our risk management standards while supporting our overall business strategy.

Responsibilities:

  • Develop and implement advanced analytics and reporting for credit reserving (CECL), factoring in industry trends and regulatory standards.

  • Provide effective Second Line of Defense (2LOD) oversight by reviewing and challenging the portfolio management processes and outcomes of the First Line of Defense (1LOD).

  • Direct regular portfolio analysis, providing key updates on performance, market trends, and risk factors to senior stakeholders.

  • Coordinate governance discussions and oversee activities to ensure compliance with regulatory rules and internal policies.

  • Manage the end-to-end framework for the adequacy of credit reserves and stress testing to ensure the sound management of the credit portfolio.

  • Assess risk when business decisions are made, using your analytical skills to evaluate potential impacts and protect the firm's reputation.

  • Conduct rigorous reviews of internal processes and controls, managing any resulting internal audits or regulatory examinations.

  • Collaborate effectively with various teams, including Risk Management, Technology, and Reporting, to execute projects and communicate complex financial concepts.

Qualifications:

  • 6-10 years of experience in credit risk management, portfolio analysis, or a similar oversight role.

  • Demonstrable expertise in credit analysis, counterparty risk, and credit reserving methodologies (e.g., CECL).

  • Proven ability to provide robust oversight, review, and effective challenge to risk management processes and reports.

  • Strong competence in interpreting complex financial data and making informed decisions.

  • Experience with risk management tools and exposure monitoring processes.

  • Excellent communication skills with the ability to present complex financial concepts to diverse stakeholders.

  • Experience with Python and/or Tableau is considered a strong asset.

  • Bachelor's degree in Finance, Economics, Statistics, or a related field; a Master's degree is preferred.

By joining Citi Solutions Center Poland, you will not only be part of a business casual workplace with a hybrid working model (currently up to 2 days working at home per week), but also (potentially, subject to final offer) receive a competitive base salary and enjoy a whole host of additional benefits which can include:

  • Employer paid Defined Contribution Pension Plan contribution of 6% of employee’s pensionable earnings (PPE Program)

  • Employer paid Private Medical Care Package for employees and Private Medical Care Packages for certain family members available at preferential rates

  • Employer paid Life Insurance Program for employees and Life Insurance for certain family members available at preferential rates

  • Employee Assistance Program financed by Employer Paid Parental Leave Program (maternity and paternity leave; statutory and 2 weeks additional paid paternity leave

  • Sport Card for employees subsidized via Social Benefits Fund and Sport Cards for certain family members available at preferential rates

  •  Additional benefits from Company’s Social Benefit Fund, in particular: Holidays Allowance, support for sport and cultural activities, team building events.

  • Additional day off for volunteering

  • Cafeteria/ flex benefit – a company benefits system which enables employees to select and purchase benefits offered by a provider and available for employees on the platform.

  • Opportunity to receive an annual discretionary incentive award

  • Special offers and discounts for employees

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.

Copy and paste the URL below into a new tab on your web browser to view the Remuneration Regulations extract:  https://tbcdn.talentbrew.com/company/287/cms/v3/docs/policies/RemunerationRegulations-KeyProvisions-CitibankEurope_plc_05012025_A.pdf

#LI-KS3

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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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Primary Location Full Time Salary Range:

zł223,400.00 - zł380,400.00

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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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Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

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This job opening is for an existing job vacancy.

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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.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.

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