About the role

Aplyr's Quick Take

This role involves analyzing credit risk for Citi's proprietary cards and lending portfolio. You'll conduct credit reviews, prepare presentations for senior management, and participate in risk governance discussions. It's an intermediate-level position focused on data analysis and risk assessment rather than direct management.

Good fit

Ideal candidates have 4+ years in credit risk analytics or financial analytics, with strong skills in SQL, SAS, or Python. A collaborative mindset and the ability to communicate insights effectively are crucial for success.

Worth noting

The role emphasizes a mix of technical skills and strategic thinking, requiring both analytical expertise and the ability to influence business decisions. The focus on compliance and risk governance suggests a high-stakes environment.

The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval 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 clients and counterparties globally.

Responsibilities:

Prepare clear, structured presentations for senior analysts and managers, ensure strong documentation, audit readiness, and control discipline.
Participate in regular risk review forums as an analytical contributor.
Act as a trusted advisor to senior risk and business leaders.
Present insights and recommendations in clear, executive-ready narratives.
Lead discussions in risk governance forums.
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.

Skills:

Advanced SQL; strong experience in SAS and/or Python.
Strong command of credit risk analytics: vintage, segmentation, forecasting.
Good understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk, with demonstrated experience in reviewing these factors and challenging any discrepancies.
Expertise in translating analytics into business decisions.
Advanced PowerPoint storytelling and data visualization.
Deep understanding of credit card lifecycle and risk economics.
Ability to influence decisions through data and judgment, Strong strategic thinking and problem structuring.
Willingness to learn and take increasing ownership.
Ability to work collaboratively across teams.
Clear and concise written and verbal communication.

Qualifications:

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

Education:

Bachelor's /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, 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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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.

Skills & Tags

analytics

Aplyr's read

Citigroup is a global financial services leader offering diverse roles, attracting professionals in finance, technology, and operations seeking international exposure and advancement.
Synthesized from recent postings & public sources

What's promising

•Citigroup's global presence offers employees opportunities for international career advancement.
•The company invests heavily in technology, providing roles for tech-savvy professionals.
•Citigroup's diverse services allow for career growth across multiple financial sectors.

What to watch

•Citigroup has faced regulatory challenges impacting its operations and reputation.
•The company's size can lead to bureaucratic processes that slow decision-making.
•Citigroup's restructuring efforts may create uncertainty in job stability.

Why Citigroup

•Citigroup's extensive global network differentiates it from many competitors.
•The firm's commitment to innovation is evident in its technology-driven roles.
•Citigroup offers specialized roles requiring language skills, such as Japanese-speaking positions.

Aplyr’s read is generated by AI from public sources. Was it useful?

About Citigroup

Citigroup

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Citi, also known as Citigroup Inc., is a global financial services corporation that provides a wide range of financial products and services to consumers, corporations, governments, and institutions.