Credit Portfolio Analyst II

Citigroup Inc.; Warszawa; Hybrid; PLN 86,000 - 136,000; Full time

Benefits offered by this job

Pension plan

Private medical care

Life insurance

Employee assistance program

Parental leave

Sport card

Job summary

Citi Solutions Center Poland is seeking a Credit Risk & Operations Analyst to join the Institutional Credit Management team. The role focuses on managing credit facility lifecycles, strengthening governance, and supporting business transformation initiatives that impact Markets and Banking.

You will work with senior stakeholders, coordinate with tech, risk, and operations, and ensure documentation meets policy standards while supporting risk controls.

Qualifications

• 1–3 years of experience in financial services, credit operations, risk management, business analysis, or a related field.
• Analytical capability to synthesize large volumes of data and translate findings into clear, actionable business insights.
• Clear written and verbal communication skills, including the ability to present findings and recommendations confidently to senior stakeholders.
• Strong organizational skills with the ability to manage multiple priorities and meet deadlines in a fast-paced environment.
• Proficiency in Microsoft Excel and PowerPoint, with the ability to produce well-structured analysis and presentations.
• Bachelor's degree or equivalent professional experience.

Responsibilities

• Manage the end-to-end lifecycle of credit facility amendments, ensuring customer facility changes and credit approval information are accurately captured and maintained across relevant systems.
• Assess credit facility amendments to identify material changes or exceptions, escalating issues to maintain data integrity and compliance with credit policies and regulatory requirements.
• Analyze large and complex data sets to surface trends, identify operational gaps, and deliver clear, data-driven recommendations to senior stakeholders.
• Coordinate with technology, operations, risk, and control teams to resolve process issues and improve the effectiveness of credit administration workflows.
• Monitor operational and credit-related risks associated with business decisions and process changes, supporting control activities to strengthen governance frameworks.
• Participate in business transformation projects from problem identification through to post-implementation review, contributing to measurable improvements in operational efficiency and risk management.
• Verify that documentation is complete and meets credit policy standards and local regulatory requirements before facility implementation, including due diligence activities such as authorized signer screening.
• Build and maintain effective working relationships with senior leadership, business partners, and cross-functional support teams to facilitate informed decision-making.

Skills

Financial services experience

Credit operations

Risk management

Business analysis

Analytical skills

Data presentation

Excel and PowerPoint

Bachelor's degree or equivalent

Clear communication

Education

Bachelor's degree or equivalent

Tools

Access

SQL

Reporting platforms

Job description

Are you looking for a career move that will put you at the heart of a global financial institution? Then bring your skills in credit risk analysis, operations, and strategic thinking to Citi's Institutional Credit Management team. As a Credit Risk & Operations Analyst, you will play a meaningful role in Citi's first line of defense for wholesale credit risk — managing credit facility lifecycles, strengthening governance frameworks, and contributing to business transformation initiatives that have real impact across Markets and Banking. By joining Citi, you will become part of a global organization whose mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.

Responsibilities

• Manage the end-to-end lifecycle of credit facility amendments, ensuring customer facility changes and credit approval information are accurately captured and maintained across relevant systems.

• Assess credit facility amendments to identify material changes or exceptions, escalating issues appropriately to maintain data integrity and compliance with credit policies and regulatory requirements.

• Analyze large and complex data sets to surface trends, identify operational gaps, and deliver clear, data-driven recommendations to senior stakeholders.

• Coordinate with technology, operations, risk, and control teams to resolve process issues and improve the effectiveness of credit administration workflows.

• Monitor operational and credit-related risks associated with business decisions and process changes, supporting control activities to strengthen governance frameworks.

• Participate in business transformation projects from problem identification through to post-implementation review, contributing to measurable improvements in operational efficiency and risk management.

• Verify that documentation is complete and meets credit policy standards and local regulatory requirements before facility implementation, including due diligence activities such as authorized signer screening.

• Build and maintain effective working relationships with senior leadership, business partners, and cross-functional support teams to facilitate informed decision-making.

Required Qualifications & Skills

• 1–3 years of experience in financial services, credit operations, risk management, business analysis, or a related field.

• Analytical capability to synthesize large volumes of data and translate findings into clear, actionable business insights.

• Clear written and verbal communication skills, including the ability to present findings and recommendations confidently to senior stakeholders.

• Strong organizational skills with a demonstrated ability to manage multiple priorities and meet deadlines in a fast-paced environment.

• Proficiency in Microsoft Excel and PowerPoint, with the ability to produce well-structured analysis and presentations.

• Bachelor's degree or equivalent professional experience.

Beneficial Skills & Qualifications

• Knowledge of credit risk, facility administration, or financial products that support faster onboarding and broader contribution to the team.

• Familiarity with data analysis tools such as Access, SQL, or reporting platforms that enables more efficient handling of complex data sets.

• Exposure to process improvement or business transformation projects within a financial services or operations environment.

What We Offer

This role offers the opportunity to build deep expertise across credit risk, facility administration, and business transformation at one of the world's leading financial institutions. Every day will bring new analytical and operational challenges that accelerate your professional development and open clear pathways into risk, credit, or strategy careers. By joining Citi Solutions Center Poland, you will be part of a performance-focused, collaborative workplace with a hybrid working model (3 days in the office and 2 days working remotely), and enjoy a competitive base salary alongside a comprehensive benefits package which can include:

• Employer paid Defined Contribution Pension Plan contribution of 6% of employee's pensionable earnings (PPE Program).

• Employer paid Private Medical Care Package for employees, with Private Medical Care Packages for certain family members available at preferential rates.

• Employer paid Life Insurance Program for employees, with Life Insurance for certain family members available at preferential rates.

• Employee Assistance Program financed by the employer, providing personal and professional wellbeing support.

• Paid Parental Leave Program covering maternity and paternity leave, including statutory entitlements and 2 weeks of additional paid paternity leave.

• Sport Card for employees subsidized via the Social Benefits Fund, with Sport Cards for certain family members available at preferential rates.

• Additional benefits from the Company's Social Benefits Fund, including Holidays Allowance, support for sport and cultural activities, and team building events.

• An additional day off each year for volunteering.

• Cafeteria flex benefit system, enabling employees to select and purchase personalized benefits through the platform.

• Opportunity to receive an annual discretionary incentive award.

• Special offers and discounts available exclusively for employees.

Copy and paste the URL below into a new tab on your web browser to view the Remuneration Regulations extract: https://tbcdn.talentbrew.com/company/287/cms/v3/docs/policies/RemunerationRegulations-KeyProvisions-CitibankEurope_plc_05012025_A.pdf

Job Family Group:

Risk Management

Job Family:

Portfolio Credit Risk Management

Time Type:

Full time

Primary Location Full Time Salary Range:

zł85,870.00 - zł135,730.00

Most Relevant Skills

Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.

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 Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.