Credit Portfolio Senior Analyst

Citigroup Inc.; Wilmington (DE); Hybrid; USD 113,000 - 138,000; Full time

Benefits offered by this job

Medical, dental & vision coverage

401(k)

Life, disability insurance

Paid time off

Job summary

Citibank, N.A. in Wilmington, Delaware seeks a Credit Portfolio Senior Analyst to develop quantitative techniques for risk management and portfolio optimization. You will build and validate models for credit review, policy adjustments, and reporting, leveraging SAS/SQL in a UNIX environment.

The role requires a Master’s in a quantitative field or a Bachelor’s with substantial relevant experience. The position is full-time, with a hybrid work arrangement allowed within a commutable distance from

Qualifications

• Master’s degree requirement in statistics, math or related quantitative field; or bachelor’s with 3+ years’ experience.
• 1 year of statistical analytics using SAS/SQL; regression, ML and risk segmentation experience.
• EO Employer.

Responsibilities

• Develop quantitative techniques for securities and portfolio risk management.
• Build models for credit review, policy adjustment, and portfolio monitoring.
• Provide analytics at portfolio and segment levels for risk and profit optimization.
• Collaborate on risk reporting and data quality improvements using SAS/SQL.
• Analyze credit performance and develop tests for risk strategies.

Skills

Statistical analytics

Algorithm design

Regression analysis

Machine learning

Clustering analysis

Experimental design

Sampling distribution

Credit risk management

Financial analysis

Education

Master’s degree in Statistics, Mathematics or related quantitative field

Bachelor’s degree in Statistics/Mathematics or related field with 3 years of experience

Tools

SAS

SQL

UNIX

Job description

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

Duties: Develop quantitative techniques to inform securities investing, equities investing, pricing, or valuation of financial instruments. Develop mathematical or statistical models for risk management, asset optimization, pricing, or relative value analysis. Perform credit review, approval, and portfolio monitoring. Develop credit techniques and procedural improvements. Identify areas for credit policy adjustments. Provide analytics at portfolio and segment levels for risk and profit optimization. Collaborate with Risk Management Information Systems (MIS) on Credit Risk Reporting and Portfolio Quality Review Reporting. Work with cross-functional teams in policy execution and management. Analyze credit and financial performance to recommend policy adjustments using statistical scoring, segmentation, regression, and simulation techniques. Analyze Cards portfolio performance at granular and product levels. Conduct data-driven root cause analysis using SAS and SQL to isolate key performance drivers. Develop credit tests and risk strategies using statistical and modeling techniques. Create tracking mechanisms for monitoring credit tests and expansions. Utilize SAS in a UNIX environment for risk, financial, and data analyses, including profiling, sampling, reconciliation, and quality testing. Evaluate and implement analytic tools to enhance reporting capabilities. Formulate objectives and develop analytical solutions using advanced segmentation techniques like PCA and CHAID. Write and integrate queries in SAS and SQL, ensuring reporting accuracy. Simplify data extraction processes to enhance datamarts. 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 Master’s degree, or foreign equivalent, in Statistics, Mathematics or related quantitative field and 1 year of experience as a Credit Risk Analyst or related position involving consumer credit risk management to mitigate risk in a global financial services institution. Alternatively, employer will accept a Bachelor’s degree in the specified fields and 3 years of experience in the above positions. 1 year of experience must include: Statistical analytics using SAS/SQL; Algorithm designing and analysis for behavior forecasting; SAS programming for data management; Regression analysis; Machine learning algorithm designing and implementation; Clustering analysis and risk segmentation; Simple and nonlinear regression models calculation; Model fit and assumption testing and variables adjustment; Experimental design including randomization, replication and control; Approximation of sampling distribution; Experimental data analysis for decision‑making formulation and modeling; Credit risk management; Financial analysis; and Financial reporting. EO Employer.

Wage Range: $112,600 to $138,000

Job Family Group: Risk Management

Job Family: Credit & Portfolio Risk Management

Time Type:

Full time

Primary Location:

Wilmington Delaware United States

Primary Location Full Time Salary Range:

Citi offers competitive employee benefits, including:

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

Most Relevant Skills

Wholesale Lending Operations Management.

Anticipated Posting Close Date:

Oct 08, 2026

Automated Processing and AI

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Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision‑making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

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