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Job Overview

Credit Risk Analytics –Senior Analyst (C12)

Job Description

The C12 AVP is a senior individual contributor and emerging leader responsible for owning defined credit card portfolios or risk domains, driving risk strategy, policy execution, and analytics-led decision-making.

The role requires strong independent judgment, end-to-end ownership, and the ability to influence senior stakeholders, while mentoring junior team members.

Job Responsibilities: Individual is expected to have deep expertise into one or multiple functions from below

Portfolio Risk Ownership & Performance Management

• Own end-to-end credit risk performance for assigned portfolios or segments.
• Monitor delinquency, loss rates, payment behavior, utilization, and profitability.
• Identify emerging risk trends and structural shifts using vintage and cohort analysis.
• Translate portfolio performance into loss, P&L, and capital impact.

• Proactively escalate material risk issues with clear mitigation plans.

Acquisition & New Account Risk Strategy

• Support and influence acquisition risk strategy across channels and products.
• Evaluate underwriting thresholds, approval strategies, and targeting effectiveness.
• Monitor early lifecycle risk including FPD and early delinquency.
• Provide data-backed challenge to growth initiatives to ensure risk-adjusted returns.

Existing Customer Management (ECM) Responsibilities:

• Own ECM analytics and strategy across CLI, CLD, authorization controls, and line management.
• Define risk-based segmentation using behavioral and bureau data.
• Evaluate and recommend ECM actions balancing customer experience, spend growth, and loss containment.
• Lead post-implementation performance reviews and strategy refinements.
• Ensure ECM actions align with risk appetite, fairness, and regulatory expectations.

Credit Policy Execution & Governance

• Own analytics supporting credit policy design, refinement, and execution.
• Recommend policy changes, overlays, and exception frameworks.
• Prepare governance material for policy and risk forums.
• Ensure strong documentation, controls, and audit readiness.

Forecasting, Stress Testing & Macro Risk

• Support and partially own portfolio loss forecasting and scenario analysis.
• Assess portfolio sensitivity to macroeconomic and policy changes.
• Contribute to stress testing and enterprise planning exercises.
• Recommend proactive risk actions during economic uncertainty.

Model Oversight & Risk Judgment

• Serve as a model consumer for application, behavior, and collection models.
• Interpret model outputs using expert judgment, recognizing limitations and bias.
• Recommend policy, segmentation, or strategy compensations where model gaps exist.
• Support model refresh, validation, and governance processes.

Stakeholder Management & Influence

• Present clear, structured insights to senior risk and business stakeholders.
• Influence decisions through data-driven recommendations and sound judgment.
• Act as a trusted analytical partner to cross-functional teams.
• Represent risk in cross-functional working groups.
• 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.

Mentorship & Capability Building

• Mentor C10–C11 analysts on analytics quality and business thinking.
• Review work for accuracy, insight, and executive readiness.
• Contribute to process improvements and analytical best practices.

Required Skills & Qualifications:

Experience & Education

• 8+ years of experience in credit card risk / consumer lending / portfolio analytics.
• Master’s degree in business, Statistics, Mathematics, Finance, Economics, or related quantitative fields.

Technical Skills

• Advanced SQL; strong experience in SAS and/or Python.
• Strong command of credit risk analytics: vintage, segmentation, forecasting.
• Expertise in translating analytics into business decisions.
• Advanced PowerPoint storytelling and data visualization.

Analytical & Business Skills

• Deep understanding of credit card lifecycle and risk economics.
• Ability to influence decisions through data and judgment.
• Strong strategic thinking and problem structuring.
• Structured thinking and attention to detail.
• Comfort engaging with senior leadership.

Soft Skills

• Willingness to learn and take increasing ownership.
• Ability to work collaboratively across teams.
• Clear and concise written and verbal communication.

General Skills:

• Good understanding of various risk factors including stress testing, with demonstrated experience in reviewing these factors and challenging any discrepancies.

• Crete value and contributes to the success of the team.
• Ability to work with little or no direction and in a team.

• Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment.

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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, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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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.