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Unsecured Lending Credit Portfolio Officer, VP - Hybrid

Company: Citi
Location: Atlanta
Posted on: September 24, 2022

Job Description:

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.


  • Develop quantitative risk framework and associated risk analytics to optimize acquisition underwriting strategies
  • Develop and design acquisitions credit risk policy for new to bank lending program by applying complex tools and leveraging performance from look alike segments
  • Establish and leverage cross-functional partnerships to create a collaborative working group which drives key initiatives
  • 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 analytic tools which help to evaluate portfolio/segment risk and enable deep dive to identify high risk segments
  • 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
  • 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
    • 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 ----------------------------- Effective November 1, 2021, Citi requires that all successful applicants for positions located in the United States or Puerto Rico be fully vaccinated against COVID-19 as a condition of employment and provide proof of such vaccination prior to commencement of employment.

Keywords: Citi, Atlanta , Unsecured Lending Credit Portfolio Officer, VP - Hybrid, Executive , Atlanta, Georgia

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