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 Citis portfolio exposure to clients and counterparties globally. Responsibilities:<ul><li>Resolve issues and recommend solutions to moderate problems</li><li>Integrate specialty area knowledge with an understanding of industry standards and practices and how teams collaborate to accomplish goals of the sub-function/ job family</li><li>Serve as an industry expert and advisor</li><li>Analyze and approve counter-party credit limits for trading, transactional and financing businesses with funds</li><li>Develop risk management framework and processes for funds</li><li>Advise businesses and clients on transaction structures and negotiate credit terms</li><li>Has the ability to operate with a limited level of direct supervision. </li><li>Can exercise independence of judgement and autonomy. </li><li>Acts as SME to senior stakeholders and /or other team members.</li><li>Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firms 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.</li></ul>Qualifications:<ul><li>5+ years of relevant experience</li><li>Experience in financial analysis, accounting and valuation</li><li>Consistently demonstrate clear and concise written and verbal communication</li></ul>Education:<ul><li>Bachelors degree/University degree or equivalent experience</li></ul><h2>The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for enhancing and improving the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses.</h2><ul><li>Support tactical and strategic Risk Analytics projects for Citi’s Credit Cards Risk Management group in the US.</li><li>Develop and manage implementation of effective risk management strategies that help mitigate credit losses, including designing, executing, interpreting credit tests on statistically sampled customer populations.</li><li>Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes</li><li>Must be able to effectively provide updates and communicate key initiatives to senior risk management.</li><li>Analyzing tests and performance using SAS and decision tree software (CHAID/ CART)</li></ul><ul><li>Evaluating effectiveness of current policies and strategies</li></ul><h2>Responsibilities:</h2><ul><li>Must have capability to clearly develop and communicate analysis</li></ul><ul><li>A good understanding of Credit life cycle, from Acquisitions through Collections</li><li>Must have hands on expertise in developing and managing segmentation strategies</li><li>Presentations to both technical and non-technical personnel are required to be made frequently as part of the job.</li><li>Understanding and communicating examples of credit strategy customer impact through example review of Credit Bureau data.</li><li>Ability to work efficiently in a matrixed environment balancing between both business and functional interactions and priorities, maximizing efficiencies of time-zones to create a continuously operating Credit Policy team.</li></ul><h2>Qualifications: </h2><ul><li>Bachelors/Master’s degree/University degree</li><li>5+ years work experience required</li><li>Consistently demonstrate clear and concise written and verbal communication</li><li>Good programming skills in advanced SAS, SQL, Knowledge Studio, SAS Eminer in PC, UNIX environments.</li><li>Highly proficient in Excel/pivot tables and PowerPoint. VBA a plus.</li><li>Exposure to project/process management</li><li>Strong communication and presentation skills targeting a variety of audiences</li><li>A qualified candidate needs to be able to work with cross functional teams</li><li>Flexibility in approach and thought process</li><li>Ability to work effectively across portfolio risk policy teams and functional areas teams</li><li>Strong influencing and facilitation skills</li></ul><div></div><div><div><div><div>Experience in Collections including development of risk segmentation strategies, Contact strategies, Forbearance treatments and Recoveries management</div></div></div></div>------------------------------------------------------Job Family Group: Risk Management------------------------------------------------------Job Family:Portfolio Credit Risk Management------------------------------------------------------Time Type:Full time------------------------------------------------------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.------------------------------------------------------Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------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 <a href="https://www.citigroup.com/citi/accessibility/application-accessibility.htm" target="_blank">Accessibility at Citi</a>. View Citi’s <a href="https://www.citigroup.com/global/eeo-aa-policy" target="_blank">EEO Policy Statement</a> and the <a href="https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf" target="_blank">Know Your Rights</a> poster.