Credit Portfolio Senior Analyst

Citi; Wilmington (DE); On-site; USD 113,000 - 138,000; Full time

Benefits offered by this job

Medical, dental & vision coverage

401(k)

Life, accident, and disability保险

Wellness programs

Paid time off packages

Job summary

Citibank, N.A. in Wilmington, DE seeks a Credit Portfolio Senior Analyst to develop quantitative risk models and provide analytics at portfolio and segment levels. The role involves credit reviews, policy guidance, and cross-functional collaboration for risk reporting and portfolio quality.

The position emphasizes SAS/SQL, regression and clustering techniques to inform policy and risk strategy within a global financial services firm, with a comprehensive benefits package.

Qualifications

• Master's degree in Statistics, Mathematics or related quantitative field.
• 1 year of experience in a Credit Risk Analyst or related position.
• Bachelor's degree with 3 years of experience plus SAS/SQL and regression tools.

Responsibilities

• Develop quantitative techniques for securities, equities, pricing or valuation of financial instruments.
• Perform credit review, approval and portfolio monitoring across risk segments.
• Collaborate with MIS on Credit Risk Reporting and Portfolio Quality Review Reporting.
• Use SAS/SQL in UNIX for data analyses, profiling, sampling and quality testing.

Skills

Wholesale Lending Operations

SAS/SQL analytics

Statistical modeling

Education

Master's degree in Statistics/Mathematics or related quantitative field

Bachelor's degree in Statistics/Mathematics or related field

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.

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.

Salary Range

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

In addition to salary, Citi offers competitive employee benefits, including:

• 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

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

Most Relevant Skills

Wholesale Lending Operations Management.

Anticipated Posting Close Date

Oct 08, 2026

Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi. 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. Illinois residents – AI Notice and Right

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