• Job Description

  Req#: 26939436

  The Credit Portfolio Intermediate Analyst role is a senior individual contributor and emerging risk leader responsible for owning portfolio risk strategy, influencing credit policy decisions, and driving risk-adjusted growth for the credit card business. The role combines deep analytics, strategic thinking, and stakeholder influence, acting as a key partner to senior risk and business leadership.

  Role Summary:

  • Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses

  • Support tactical and strategic Risk Analytics projects for U.S. Consumer Cards

  • Independently manage development and implementation of effective risk management strategies that balances the risk and reward of the portfolio

  • Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes

  • Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies.

  • Must be able to effectively provide updates and communicate key initiatives to senior risk management.

  • Analyze tests and performance using SAS and decision tree (CHAID/ CART)

  • Evaluate effectiveness of current policies and strategies

  Responsibilities:

  • Own end-to-end portfolio risk monitoring across delinquency, losses, payment behavior, and utilization.

  • Lead vintage, cohort, and segmentation analysis to identify structural vs cyclical risk trends.

  • Own end-to-end portfolio risk monitoring across delinquency, losses, payment behavior, and utilization.

  • Must have capability to clearly develop and communicate analysis

  • Own risk assessment of acquisition strategies across channels and products.

  • Evaluate early lifecycle risk (FPD, early delinquency) and recommend corrective actions.

  • Own end-to-end ECM strategy across CLI, CLD, authorization rules, and line management for defined portfolios or segments.

  • Define risk-based customer segmentation frameworks using behavioral, transactional, and bureau data.

  • A good understanding of credit life cycle

  • Presentations to both technical and non-technical personnel are required to be made frequently as part of the job

  • Ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities.

  Skills:

  • Experienced in developing, implementing, and monitoring credit strategies or scoring models across authorizations, underwriting, existing customer management and collections

  • Programming skills in advanced SAS, SQL, Knowledge Studio, SAS E-miner in mainframe, UNIX and PC environments.

  • Highly proficient in Excel/pivot tables and PowerPoint.

  • Exposure to project/process management

  • Strong communication and presentation skills targeting a variety of audiences

  • Flexibility in approach and thought process Strong influencing and facilitation skills.

  Qualifications:

  • 4+ years of relevant experience in credit card risk analytics, consumer lending, or financial analytics.

  Education:

  • Bachelor's degree/University degree or equivalent experience in business, Statistics, Mathematics, Finance, Economics, or related quantitative fields.

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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, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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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.

  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.

• About the company

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