4 days old

(SAS Required) Consumer Risk, Data Projects, Credit Analyst, Officer

**Job Description**

The Credit Analyst II is an intermediate-level position responsible for credit risk management function on retail unsecured lending business, including conducting credit policy formation and reviews, portfolio monitoring and/or risk migration actions. The overall objective of this role is to manage Citi's credit risk strategy and management in retail lending business.


+ Report to Senior Credit Risk Manager to support Regional data project

+ Oversight and manage the data project and make sure it is operating according to expectation

+ Works with large datasets and complex algorithms to solve data science challenges

+ Perform regular monitoring & validation on the performance of the unsecured lending portfolios

+ Ensure all credit processes are in compliance with company policies and requirements set out by the local as well as lead regulator through effective execution of control programs such as self-assessment, quality assurance, application audit

+ Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite

+ Assist with portfolio review preparation and conducting stress tests

+ Build working relationships with various teams across the bank, including deal, coverage and product teams

+ Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.


+ Minimum 2-3 years of experience in credit risk analysis in Cards and Unsecured Lending products

+ Experience in managing regulatory reporting

+ Proficient in handling mass data and able to interpret results with critical analysis

+ Consistently demonstrate clear and concise written and verbal communication

+ Self-initiative, effective communication and interpersonal skills as well as the ability to motivate others, strong sense of compliance awareness

+ Sound knowledge in SAS programming, data mining and MS Word/Excel/Access/Power-Point is a basic


Bachelor or Post-graduate degree in Business, Statistics, Data Science or other related quantitative disciplines


**Job Family Group:**

Risk Management


**Job Family:**

Credit & Portfolio Risk Management


**Time Type:**

Full time


Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi) invite all qualified interested applicants to apply for career opportunities. 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 (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)** .

View the "EEO is the Law (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf) " poster. View the EEO is the Law Supplement (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/OFCCP\_EEO\_Supplement\_Final\_JRF\_QA\_508c.pdf) .

View the EEO Policy Statement (http://citi.com/citi/diversity/assets/pdf/eeo\_aa\_policy.pdf) .

View the Pay Transparency Posting (https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp\_%20English\_formattedESQA508c.pdf)
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.


Posted: 2022-05-13 Expires: 2022-06-12

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(SAS Required) Consumer Risk, Data Projects, Credit Analyst, Officer


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