Job Description

The Credit Portfolio Risk Officer is a senior-level position responsible for leading activities including credit review, credit approvals and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi\'s customer-initiated credit line increase program for the Cards portfolio. The Credit Portfolio Risk Officer will help drive portfolio analytics for Costco consumer as well manage Customer-initiated CLI (CICLI) campaigns for Cobrand portfolios. You will work on Costco consumer portfolio ROTCE improvement initiatives, designing and executing CICLI fundamental tests as well as policy optimization changes and other portfolio growth related initiatives.
Responsibilities:

• Develop framework for portfolio risk assessment including evaluation of credit and financial performance across varied lending products and industry segments
• Understand applicable credit policies, industry regulations and the requisite impact of those governance items to prospective new partners or product initiatives
• Establish and leverage cross-functional partnerships and network with key internal and external constituencies
• Utilize 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 on expected portfolio performance and areas of potential risk and/or opportunity
• Has the ability to operate with a limited level of direct supervision
• Exercise independence of judgement and autonomy
• Acts as SME to senior stakeholders and /or other team members
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm\'s reputation and safeguarding Citigroup, its clients and assets
• Driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency

Qualifications:

• 5 plus 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

Education:

• Bachelor\'s degree/University degree or equivalent experience
• Master\'s degree preferred

- Job Family Group: Risk Management - Job Family: Credit & Portfolio Risk Management - Time Type: Full time - Primary Location: Wilmington Delaware United States - Primary Location Salary Range: $110,890.00 - $166,340.00 - 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\xe2\x80\x9d) 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