Credit Portfolio Officer

Citi; Wilmington (DE); Hybrid; USD 151,000 - 175,000; Full time

Benefits offered by this job

Incentive awards

Benefits package

Paid time off

Job summary

Citibank, N.A. seeks a Credit Portfolio Officer for its Wilmington, Delaware location. The role involves quantitative analyses to identify high-risk pockets, design credit tests, and develop underwriting strategies within Citi's risk appetite.

The incumbent will develop frameworks for portfolio risk assessment, monitor performance, and present insights to leadership while ensuring compliant governance and timely execution. A hybrid work schedule may be permitted from a commutable distance.

Qualifications

• Bachelor's degree in Statistics, Business Analytics, Computer Engineering, or related field required.
• 5+ years of progressive experience in credit risk, data analysis, or related roles.
• Experience with SAS, SQL, Tableau, Unix and risk governance processes.

Responsibilities

• Perform quantitative analyses to identify high-risk pockets and emerging risks.
• Design credit tests and underwriting strategies; develop portfolio risk framework.
• Provide analytical insights and reporting to measure acquisition performance and explain key drivers to leadership.
• Leverage SAS in a UNIX environment for risk, financial and data analyses; ensure compliant policies.

Skills

Credit risk management

Quantitative analytics

Predictive modeling

Data visualization

Automation of reporting

Statistical analysis

Risk governance

Portfolio risk

Education

Bachelor's degree in Statistics, Business Analytics, Computer Engineering, or related field

Tools

SAS

SQL

Tableau

Unix

Job description

Citibank, N.A. seeks a Credit Portfolio Officer for its Wilmington, Delaware location.

Duties: Perform quantitative and statistical analyses to identify high-risk pockets and emerging risks. Design credit tests and develop underwriting and line assignment strategies. Develop framework for portfolio risk assessment including evaluation of credit and financial performance in credit card products, and recommend requisite strategies for tightening and expansion within risk appetite. Develop analytical insights and reporting to measure and monitor acquisition performance, interpret trends, and explain key drivers to leadership team. Ensure flawless timely execution of robust compliant policies. Evaluate partnerships based on understanding of cards and lending profit and losses dynamics. Leverage knowledge of applicable credit policies and industry regulations, and analyze impact of those governance elements to product initiatives. Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses, including profiling, sampling, forecasting, and new program due diligence. A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite, in accordance with Citi policies and protocols.

Requirements: Requires a Bachelor’s degree, or foreign equivalent, in Statistics, Business Analytics, Computer Engineering, or a related field and 5 years of progressive, post-baccalaureate experience as a Credit Risk Analyst, Data Analyst, Risk Manager, or related position involving quantitative and statistical analyses for risk management. 5 years of experience must include: Credit risk management; Underwriting and line management strategy development; Statistical analysis and quantitative analytics; Behavioral segmentations; Predictive power and model stability validation; Automation of reporting; Profit and loss analysis; and SAS, SQL, Tableau, Unix.

Applicants submit resumes at https://jobs.citi.com/. Please reference Job ID #26971564. EO Employer.

Wage Range: $151,200 to $175,000

Job Family Group: Risk Management

Job Family: Portfolio Credit Risk Management

Full time

Wilmington Delaware United States

• In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards.
• Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs.
• Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays.

For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

Anticipated Posting Close Date: Sept 16, 2026

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