Senior Lead Analyst, Portfolio Credit Risk - 2nd LOD

Citi; New York (NY); Hybrid; USD 116,000 - 174,000; Full time

Job summary

Citi is seeking a Portfolio Credit Risk Management 2nd LOD Senior Lead Analyst – SVP in Getzville, NY. This hybrid role leads design and governance of credit approval and due diligence frameworks across the firm, partnering with BIR and DART to strengthen controls and processes.

The ideal candidate has 10+ years in Wholesale Credit Risk Management, strong communication, and leadership to drive cross‑functional initiatives, policy development, and risk reduction while ensuring compliance.

Qualifications

• 10+ years’ experience in Wholesale Credit Risk Management, Project Management and/or other control functions.
• Experience in leading and coordinating firm-wide initiatives and issue management governance.
• Strong written and verbal communication skills, and ability to discuss technical issues with partners and Senior Management stakeholders.
• Strong interpersonal and leadership skills with the ability to foster a collaborative environment and positively promote and influence change.

Responsibilities

• Lead design and development of credit approval and due diligence frameworks across Citi’s end-to-end management of credit underwriting.
• Identify opportunities for underwriting simplification and enhancements to reduce operational complexities.
• Implement target state governance of approvals and due diligence policy, standards and procedures within BIR.
• Supervise and scrutinize risk management activities related to the credit portfolio, including risk assessment and reporting.
• Validate new account strategies and non-scoring financial models with robust checks.
• Conduct internal and oversight reviews, probing internal processes and controls, and managing audits or regulatory exams.
• Assess and analyze risk during decision making to safeguard the firm’s reputation.
• Ensure compliance with legal and regulatory requirements and uphold ethical conduct.
• Stay informed about industry trends and communicate with stakeholders to support complex decisions.
• Monitor trends in credit risk analysis and forecasting for better allowance calculations.
• Oversee first line of defense processes for portfolio management and drive improvements.
• Review portfolio health and identify risks for continuous improvement.

Skills

Analytical Thinking

Credible Challenge

Governance

Policy & Procedure

Portfolio Analysis

Risk Management Lifecycle

Education

Bachelor’s/University degree or equivalent experience

Master’s degree preferred

Job description

Citi is seeking a Portfolio Credit Risk Management 2nd LOD Senior Lead Analyst – SVP in Getzville, NY. This hybrid role leads design and governance of credit approval and due diligence frameworks across the firm, partnering with BIR and DART to strengthen controls and processes.

The ideal candidate has 10+ years in Wholesale Credit Risk Management, strong communication, and leadership to drive cross‑functional initiatives, policy development, and risk reduction while ensuring compliance.