Credit Portfolio Sr Analyst - AVP

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Job Overview

The individual will work in the Portfolio insights and Regulatory Risk reporting Team for US Personal Banking Risk management team focusing on US Cards (Approximately 110+ million card members with $150+ billion in receivables). The individual will join a team that has responsibility for North America Cards and Installment Lending portfolios.

The person must be able to:

• Think strategically and analytically and enjoy problem solving.
• Perform business analysis to respond to regulatory and business questions and provide portfolio insights.
• Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing.
• Perform data analysis to monitor and track data quality and completeness of data.
• Interpret business requirements for the purpose of liaising with Technology Developers.
• Multitask to handle multiple enhancement projects and requirements.
• Partner with portfolio leads, Independent Risk and Compliance teams, Business, Risk, Operations and Technology teams to identify, communicate and resolve issues timely.
• Navigate complex and variable issues and long-term quality improvement projects.
• Leverage on analytical tools including SAS, SQL, MS Excel, Tableau.

Responsibilities:

• Active involvement in Portfolio Insights and regulatory projects/workstreams including changes to reporting standards as the SME.
• Data oriented with ability to quickly understand complex data and business concepts and drive them into actionable recommendations.
• Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management.
• Investigate trends and insights to understand and proactively inform stakeholders of changes in Portfolio Insights and Regulatory reporting metrics.
• Develop and perform analysis that addresses concerns and issues in a clear and concise manner.
• Partner with Portfolio leads, Independent Risk Compliance teams, Business, Risk, Operations and Technology teams to identify, communicate and resolve issues timely.
• Work with external vendors and Technology when needed, to analyze and respond to data quality issues and perform Root cause analysis.
• Provide Audit support and answer questions as well as analysis and support to Business Reporting team as required.

Domain and Process Expertise

• Good understanding of credit risk management in the Credit Card/Consumer Finance domain.
• Experience in Credit card life cycle and data management.
• Ability to build and maintain relationships including working collaboratively with people at all levels of the organization.
• Willingness to take ownership of reporting and transformation to drive best practice and contribute to a high performing team.
• Good knowledge of Citi products, risk processes and controls with understanding of key regulatory requirements and risk management framework.
• Experience in compiling process and data quality metrics, analyzing results to clearly communicate data-driven analysis to senior management.

Qualifications:

• 8+ years of relevant experience
• Knowledge of Risk Management and data analytics
• Ability to apply credit and risk principles toward business goals
• Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
• Proven ability to remain organized in a fast-paced environment, managing multiple projects
• Proven interpersonal, organizational and analytic skills
• Proficient in SQL, SAS, UNIX, Tableau. Knowledge in mainframe environment a plus.
• Proficient in MS Office applications (Excel, Word, PowerPoint).
• SAS Certifications, Unix scripting and Python experience are a plus.

Education:

• Bachelor's degree/University degree or equivalent experience