Credit Portfolio Officer

About the position

Citibank N.A. seeks a Credit Portfolio Officer for its Irving, Texas location. The role involves developing and testing experimental designs, sampling techniques, and analytical methods to identify unprofitable segments within risk appetite boundaries. The officer will prepare test data for processing by organizing information, checking for inaccuracies, and adjusting/weighting raw test results to design credit policies while balancing risk and return. Responsibilities include executing complex credit risk analysis using sophisticated analytical tools such as SAS, SAS Enterprise Miner, SQL, decision tree software like Knowledge Seeker, and advanced Excel on UNIX and Teradata platforms. The officer will evaluate, implement, and monitor leading-edge analytic tools, including machine learning models in underwriting and customer management processes. The position requires identifying policy improvement opportunities and taking ownership of policy analytics from conception to execution. The officer will analyze portfolio performance at a granular segment level and perform risk and reward trade-off analysis, identifying trends and conducting data-driven root-cause analysis using SAS and SQL. Communication of policy changes and test recommendations with business partners, senior management, and external regulators is essential. The role also involves conceptualizing and developing effective Management Information System/Reporting and data capabilities using Business Intelligence tools like Tableau to facilitate credit risk management decisions and policies. The officer will create presentations to inform senior Citi and external partners regarding Risk Management growth and control initiatives, forecasts, and outcomes, and collaborate with various teams to drive new projects, including product launches and technology enhancements. A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite, in accordance with Citi policies and protocols.

Responsibilities

• Develop and test experimental designs, sampling techniques, and analytical methods to identify unprofitable segments within risk appetite boundaries.
• Prepare test data for processing by organizing information, checking for inaccuracies, and adjusting/weighting raw test results.
• Execute complex credit risk analysis using analytical tools including SAS, SAS Enterprise Miner, SQL, decision tree software, and advanced Excel.
• Evaluate, implement, and monitor leading-edge analytic tools such as machine learning models in underwriting and customer management.
• Identify policy improvement opportunities and take ownership of policy analytics from conception to execution.
• Analyze portfolio performance at a granular segment level and perform risk and reward trade-off analysis.
• Identify trends and conduct data-driven root-cause analysis using SAS and SQL.
• Communicate policy changes and test recommendations with business partners, senior management, and external regulators.
• Conceptualize and develop effective Management Information System/Reporting and data capabilities using Business Intelligence tools like Tableau.
• Create presentations to inform senior Citi and external partners regarding Risk Management growth and control initiatives.
• Collaborate with Marketing, product, Finance, and Legal teams to drive new projects including product launches and technology enhancements.

Requirements

• Bachelor's degree, or foreign equivalent, in Business Analytics, Electronic Engineering, or a related field.
• Four (4) years of experience in the job offered or in a related occupation in the financial services industry.
• Experience must include implementing and refining credit risk policy using advanced machine learning techniques.
• Leveraging technologies including SAS, SQL, Python, and Excel for data analytics.
• Developing visualizations using Tableau to communicate complex data patterns to senior leadership.
• Utilizing scenario analysis to assess the impact of economic conditions on profitability.
• Optimizing portfolio composition with acceptable risk levels using credit risk-return tradeoff.
• Evaluating different performance metrics to assess customer behavior segments.
• Designing credit tests using statistical techniques including design of experiments (DOE).

Nice-to-haves

• Master's degree and two (2) years of experience in a related field.

Benefits

• Medical, dental & vision coverage
• 401(k)
• Life, accident, and disability insurance
• Wellness programs
• Paid time off packages including vacation, sick leave, and paid holidays