Skip to main content

Careers

COVID-19:

The health and safety of our colleagues and candidates for employment are our highest priority. Accordingly, Citi continues to monitor the COVID-19 situation closely. We have implemented precautionary measures across our firm globally, including conducting all candidate interviews virtually on a temporary basis until further notice where needed.

Unsecured Lending Credit Portfolio Officer

Job Req ID 21308079 Primary Location Wilmington, Delaware; Atlanta, Georgia Job Category Risk Management
Apply Now

The Unsecured Lending Credit Portfolio Officer will be working in best in class, dynamic Risk organization that drives sustainable growth. This individual will collaborate closely with Risk and Business product leads to enable Citi’s growth in unsecured lending and to monitor portfolio risk in partnership with the broader risk management group. The team is looking for a high-energy individual who is looking to make a contributions at-large.

Responsibilities:

  • Develop quantitative risk framework and associated risk analytics to optimize acquisition underwriting strategies
  • Develop and design credit policy for new, innovative lending features and products
  • Establish and leverage cross-functional partnerships and network with key internal and external constituencies
  • Leverage external credit bureaus & internal Citi data to develop analytical solutions, and perform statistical analyses using CHAID and other advanced segmentation techniques to identify relationships and trends in data, as well as any factors that could affect these results
  • Evaluate, implement and monitor sophisticated leading edge analytic tools such as machine learning models in the underwriting process
  • Analyze portfolio performance at a granular segment level on an ongoing basis
  • Identify trends and conduct data driven root-cause-analysis using SAS and SQL to isolate key performance drivers
  • Communicate policy changes and test recommendations, program approvals, performance trends with business partners and senior management
  • Communicate clearly and effectively to technical and non-technical audience
  • Manage large data using SAS and Teradata and leverage probabilities, distributions and decision trees to perform risk, financial and data analyses including profiling, performance, forecasting and new program due diligence
  • Comfortable working in an ambiguous, fast paced environment

Qualifications:

  • 5+ years of experience in credit card risk management or equivalent training and experience preferably in the financial services industry
  • Proven ability to apply credit and risk principles toward business goals
  • Demonstrated ability to synthesize and prioritize
  • Proven ability to remain organized in a fast-paced environment
  • Demonstrated interpersonal, organizational and analytic skills
  • Strong drive to deliver results in a fast-paced environment, including ability to work independently, prioritize workload, demonstrate attention to detail and meet deadlines
  • Strong verbal and written communication skills, including ability to communicate concisely and clearly

Education:

  • Bachelor's degree/University degree in statistics, mathematics, finance, economics, or equivalent experience
  • Master's degree preferred

-------------------------------------------------

Job Family Group:

Risk Management

-------------------------------------------------

Job Family:

Credit & Portfolio Risk Management

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Citi is an equal opportunity and affirmative action employer.

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.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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 the "EEO is the Law" poster. View the EEO is the Law Supplement.

View the EEO Policy Statement.

View the Pay Transparency Posting

Apply Now
  • Join our team
    of 200,000+
    strong diverse employees

  • Socially minded employees volunteering in communities across 90 countries

  • Meaningful career opportunities thanks to a physical presence in over 98 markets

We foster a culture that embraces all individuals and encourages diverse perspectives, where you can make an impact and grow your career. At Citi, we value colleagues that demonstrate high professional standards, a strong sense of integrity and generosity, intellectual curiosity, and rigor. We recognize the importance of owning your career, with the commitment that if you do, we promise to meet you more than half way.

Saved Jobs

You have no saved jobs

Previously Viewed Jobs

You have no viewed jobs