Credit Portfolio Sr Analyst

The individual will work in the Portfolio insights and Regulatory Risk reporting Team for US Personal Banking Risk management team focusing on US Cards (Approximately 110+ million card members with $150+ billion in receivables). The individual will join a team that has responsibility for North America Cards and Installment Lending portfolios.

The person must be able to:

• Think strategically and analytically and enjoy problem solving.
• Perform business analysis to respond to regulatory and business questions and provide portfolio insights.
• Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing.
• Perform data analysis to monitor and track data quality and completeness of data.
• Interpret business requirements for the purpose of liaising with Technology Developers.
• Multitask to handle multiple enhancement projects and requirements.
• Partner with portfolio leads, Independent Risk and Compliance teams, Business, Risk, Operations and Technology teams to identify, communicate and resolve issues timely.
• Navigate complex and variable issues and long-term quality improvement projects.
• Leverage on analytical tools including SAS, SQL, MS Excel, Tableau.

Responsibilities:

• Active involvement in Portfolio Insights and regulatory projects/workstreams including changes to reporting standards as the SME.
• Data oriented with ability to quickly understand complex data and business concepts and drive them into actionable recommendations.
• Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management.
• Investigate trends and insights to understand and proactively inform stakeholders of changes in Portfolio Insights and Regulatory reporting metrics.
• Develop and perform analysis that addresses concerns and issues in a clear and concise manner.
• Partner with Portfolio leads, Independent Risk Compliance teams, Business, Risk, Operations and Technology teams to identify, communicate and resolve issues timely.
• Work with external vendors and Technology when needed, to analyze and respond to data quality issues and perform Root cause analysis.
• Provide Audit support and answer questions as well as analysis and support to Business Reporting team as required.

Domain and Process Expertise

• Good understanding of credit risk management in the Credit Card/Consumer Finance domain.
• Experience in Credit card life cycle and data management.
• Ability to build and maintain relationships including working collaboratively with people at all levels of the organization.
• Willingness to take ownership of reporting and transformation to drive best practice and contribute to a high performing team.
• Good knowledge of Citi products, risk processes and controls with understanding of key regulatory requirements and risk management framework.
• Experience in compiling process and data quality metrics, analyzing results to clearly communicate data-driven analysis to senior management.

Qualifications:

• 8+ years of relevant experience
• Knowledge of Risk Management and data analytics
• Ability to apply credit and risk principles toward business goals
• Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
• Proven ability to remain organized in a fast-paced environment, managing multiple projects
• Proven interpersonal, organizational and analytic skills
• Proficient in SQL, SAS, UNIX, Tableau. Knowledge in mainframe environment a plus.
• Proficient in MS Office applications (Excel, Word, PowerPoint).
• SAS Certifications, Unix scripting and Python experience are a plus.

Education:

• Bachelor's degree/University degree or equivalent experience

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.

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