Credit Portfolio Officer (Credit Card Portfolio Risk Management)

09299 Citi Cards Canada Inc.; Ontario; On-site; CAD 94,000 - 142,000; Full time

Job summary

A leading financial institution is seeking a highly motivated credit card portfolio risk analyst. The successful candidate will develop and implement credit risk strategies focusing on customer acquisition and management. Responsibilities include analyzing portfolio performance, monitoring risk trends, and presenting findings to senior management. A minimum of 6 years' experience in credit risk management is required. This role offers a competitive salary and the opportunity to work in a dynamic team environment.

Qualifications

• 6-10 years of experience in credit risk management, preferably within the credit card or retail banking sector.
• Proven experience in developing and implementing credit risk strategies.
• Strong analytical skills with the ability to interpret complex data.

Responsibilities

• Develop and refine credit risk strategies for customer acquisition.
• Monitor credit card portfolio performance and identify risk trends.
• Utilize advanced analytical techniques and statistical models.

Skills

Analytical Thinking

Risk Identification and Assessment

Data Analysis

Statistical Modeling

Tools

SQL

SAS

Excel

Tableau

Power BI

Job description

Overview

We are seeking a highly motivated and analytical credit card portfolio risk analyst to join our Credit Risk Management team. The successful candidate will be responsible for developing, implementing, and monitoring credit risk strategies across the entire customer lifecycle, with a specific focus on customer acquisition and existing customer management. This role requires strong analytical skills, a deep understanding of credit risk principles, and hands-on experience with systems that support the acquisition and existing customers management of credit card customers, to optimize risk-reward outcomes and ensure portfolio health.

Responsibilities

• Risk Strategy Development (Acquisition & Existing Customers): Develop, implement, and refine credit risk strategies for both new customer acquisition and existing customer management (line management, authorizations, payment defender / float, high risk and inactive account closure) by utilizing credit scoring models and population segmentation techniques.
• Portfolio Monitoring & Analysis: Monitor credit card portfolio performance, identify emerging risk trends, and conduct in-depth analysis to assess the impact of various risk factors across acquisition channels and existing customer segments.
• Data Analysis & Modeling: Utilize advanced analytical techniques and statistical models to segment customers, predict credit losses, and evaluate the effectiveness of risk mitigation strategies for both new and existing customers. This includes working with large datasets to extract meaningful insights.
• System Integration & Optimization: Work with and optimize systems related to credit card acquisition (originations platforms) and existing customer management (CRM, portfolio management systems) to enhance risk controls and operational efficiency.
• Reporting & Presentation: Prepare comprehensive risk reports and presentations for senior management, outlining portfolio performance, risk exposures, and recommendations for strategic adjustments.
• Policy & Procedure Adherence: Ensure all credit risk activities comply with internal policies, external regulations, and industry best practices.
• Collaboration: Partner with cross-functional teams including product development, marketing, operations, and collections to integrate risk considerations into business decisions. Represent Credit Risk in technology projects where effective communication is necessary to ensure risk requirements are properly addressed.
• Tool & System Utilization: Leverage credit risk management systems and tools (SAS, SQL) and demonstrate strong proficiency with acquisition and existing customer management platforms for data extraction, manipulation, and analysis.
• Ad-hoc Analysis: Conduct ad-hoc analyses and special projects as required to support strategic initiatives and address specific risk concerns related to customer acquisition and existing portfolio management.

Experience

• 6-10 years of experience in credit risk management, preferably within the credit card or retail banking sector.
• Proven experience in developing and implementing credit risk strategies and models, with a strong emphasis on customer acquisition and existing customer management.
• Demonstrable experience working with decision engines in acquisition (e.g., FICO Blaze or other Credit Decision Engine) and existing customer management (e.g., ACS, TRIAD).
• Strong analytical skills with the ability to interpret complex data and draw actionable conclusions.
• Excellent communication and presentation skills, with the ability to articulate complex analytical findings to technical and non-technical audiences.
• Strong problem-solving abilities and meticulous attention to detail.
• Ability to work independently and collaboratively in a fast-paced environment.

Technical Skills

• Proficiency in SQL, SAS for data extraction, manipulation, and statistical analysis.
• SAS Miner for CHAID analysis and segmentation.
• Advanced Excel skills (pivot tables, VLOOKUP, complex formulas).
• Experience with data visualization tools (Tableau, Power BI) is a plus.
• Familiarity with credit scoring models and their application.

Citi Canada is an equal opportunity employer. Accordingly, we will make accommodations to respond to the needs of people with disabilities (including, without limitation, physical and mental health disabilities) during the recruitment process and otherwise in accordance with law. Individuals who view themselves as Aboriginals, members of visible minority or racialized communities, and people with disabilities are encouraged to apply.

Job Family Group : Risk Management

Job Family : Portfolio Credit Risk Management

Time Type : Full time

Primary Location Full Time Salary Range :

94, - $142,

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.