The Credit Portfolio 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 portfolio exposure to client and counterparties globally.
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.
- Can 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, by 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.
Recommended Qualifications:
- 6-10 years of experience in credit risk, portfolio management, or consumer lending, preferably within credit cards.
- Strong understanding of credit card lending, Existing Customer Management (ECM), risk policy monitoring, portfolio optimization, and loss forecasting.
- Proven ability to independently manage multiple priorities and deliver results in a fast-paced environment.
- Strong analytical and problem-solving skills with experience working with large datasets.
- Experience collaborating effectively with cross-functional partners.
- Proficiency in SAS, SQL, or similar analytical tools.
- Excellent communication and presentation skills with the ability to influence stakeholders and senior leaders.
- Demonstrated ability to balance business objectives with sound risk management practices.
Education:
- Bachelor's degree/University degree or equivalent experience in Finance, Economics, Statistics, Mathematics, Business, Engineering, or a related quantitative discipline.
- Master's degree preferred
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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:
Wilmington Delaware United States
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Primary Location Full Time Salary Range:
$114,720.00 - $172,080.00
In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
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Most Relevant Skills
Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.
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Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
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Anticipated Posting Close Date:
Jun 30, 2026
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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.
