Are you looking for a career move that will put you at the heart of a global financial institution? Then bring your skills and experience in Credit Risk, Analytics and Governance to Citi’s Portfolio Credit Risk team.By Joining Citi, you will become part of a global organisation whose mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.This role oversees portfolio risk management activities to minimize credit losses and potential damage to the Citigroup franchise or reputation. The role includes developing business strategies, calculating Current Expected Credit Losses (CECL) reserves, conducting stress tests, loss forecasts, and managing risk appetite for the First Line of Defense (1LOD). For the Second Line of Defense (2LOD), the role involves providing effective oversight and periodic review and challenge of 1LOD portfolio management processes and outcomes. Individuals in this role ensure credit risk is managed effectively across all portfolios, protecting the companys financial stability and reputation while supporting the overall business strategy.What you’ll do: <ul><li>Supervise and scrutinize risk management activities related to the credit portfolio, including risk assessment, mitigation, monitoring, and reporting to ensure optimal performance.</li><li>Oversee the end-to-end framework for credit reserve adequacy and stress testing, carefully assessing and mitigating potential risks.</li><li>Validate new account strategies, account management strategy development, and non-scoring financial models, ensuring robust and effective checks are in place.</li><li>Conduct rigorous internal and oversight reviews, probing and investigating internal processes and controls, managing any internal audits or regulatory exams to uphold institutional integrity.</li><li>Assess and analyse risk during decision making processes, using sound judgement to safeguard the firms reputation and financial stability.</li><li>Ensure firm policies are upheld, promote ethical conduct, and rigorously examine activities and processes to ensure compliance with relevant legal and regulatory requirements.</li><li>Stay informed about industry trends, leverage strong communication skills to clearly relay information to various stakeholders and make complex business decisions.</li><li>Monitor and adapt current practices according to the latest trends in credit risk analysis, leveraging expertise for improved forecasting and allowance calculations.</li><li>Utilize expertise to enhance compliance processes for credit portfolio limits and negotiate strategic changes when necessary.</li><li>Serve as a key authority in overseeing the first line of defense processes for portfolio management, adapt to industry trends, and drive strategic improvements for efficient operations.</li><li>Develop limit methodologies, manage risk, coordinate regulatory interactions, and enhance process controls in the context of overseeing credit portfolio limits and stress testing.</li><li>Manage governance discussions, oversee risk mitigation efforts, and deal-based limit constructs to ensure balanced risk exposure.</li><li>Interpret limits governance, oversee risk activities including single name and distribution risk, and define risk mitigation activities to ensure overall portfolio health.</li><li>Represent and coordinate second line of defense risk appetite engagement, manage risk statements and assessments, identify top risks to ensure proactive risk management.</li><li>Conduct regular reviews of portfolio health, engage in ad-hoc work related to risk control, and identify potential risks for the purpose of continuous improvement and risk reduction.</li><li>Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.</li><li>Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures. Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.</li><li>Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization. Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda</li><li>Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities. Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.</li></ul>What we’ll need from you:<ul><li>10+ years solid knowledge and hands-on experience in risk management, especially with credit portfolios, exhibiting abilities in scrutinizing, probing, and supervising first line of defense risk management.</li><li>Proficiency in credit analysis, counterparty risk, and portfolio stress testing, including the ability to predict and plan for potential market fluctuations whilst challenging these predictions.</li><li>Acumen in questioning, examining, and validating new account strategies, account management strategies, and non-scoring financial models.</li><li>Familiarity with compliance protocols with a demonstrated ability to direct, assess and dispute compliance adherence.</li><li>Experience in conducting and directing internal and external audits, with a strong understanding of oversight reviews, demonstrating competence in questioning and appraising audit processes.</li><li>Ability to collaborate with multiple teams and departments with a focus on managing, inspecting and disputing collaborative endeavours.</li><li>Comprehensive knowledge and experience in risk assessment, particularly when making business decisions demonstrating, strength in contesting, scrutinizing, and ensuring decisions maintain the firms reputation.</li><li>Proficiency in ensuring compliance with legal and regulatory requirements, demonstrating ability to dispute, assess, and supervise compliance processes.</li><li>Advanced expertise in scrutinizing and evaluating complex financial data, with the capacity to make strategic decisions under review.</li><li>Mastered use of risk management tools and exposure monitoring processes with the ability to design, implement, and critically assess new processes.</li><li>Prompt and efficient in responding to ad-hoc transaction requests with a keen ability to identify, mitigate and challenge trade[1]specific risks and forecast potential risk scenarios.</li><li>Demonstrated leadership in driving collaboration with various teams, with skill in influencing and driving strategic decisions reporting under scrutiny.</li><li>Skilled communicator with the ability to explain complex financial concepts and risks to stakeholders and ensuring these communications stand up to challenge and review.</li><li>Exceptional project management skills, with the capability to oversee multiple projects from inception to completion, ensuring timely and successful delivery under constant review.</li><li>Capable of leading information requests from regulators and auditors, managing remediation efforts or corrective action plans, and ensuring compliance while minimizing business risks.</li><li>Education: Bachelors/University degree, Masters degree preferred.</li></ul>What we can offer you:By joining Citi Solutions Center Poland, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed) and enjoy a whole host of additional benefits such as:<ul><li>Private Medical Care Program</li><li>Life Insurance Program</li><li>Pension Plan contribution (PPE Program)</li><li>Employee Assistance Program</li><li>Paid Parental Leave Program (maternity and paternity leave) </li><li>Sport Card</li><li>Holidays Allowance</li><li>Sport and team recreation activities</li><li>Special offers and discounts for employees</li><li>Access to an array of learning and development resources </li><li>A discretional annual performance related bonus</li><li>A chance to make a difference with various affinity networks and charity initiatives.</li></ul>Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day.  We want the best talent around the world to be energized to join us, motivated to stay, and empowered to thrive. Sounds like Citi has everything you need? Then apply to discover the true extent of your capabilities.#LI-TM3------------------------------------------------------Job Family Group: Risk Management------------------------------------------------------Job Family:Portfolio Credit Risk Management------------------------------------------------------Time Type:Full time------------------------------------------------------Most Relevant Skills Analytical Thinking, Credible Challenge, Governance, Monitoring and Evaluation, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment, Risk Remediation.------------------------------------------------------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.