at Citibank, N.A. in Wilmington, Delaware, United States
Job DescriptionCitibank, N.A. seeks a Credit Portfolio Sr. Group Manager for its Wilmington, Delaware location.
Duties: Responsible for overseeing risk management activities for retail credit portfolios. Drive the spectrum of Existing Customer Management (ECM), Credit Line Decrease policies, recession readiness playbook, and ECM credit policies across the Cobrand Product suite. Support business development from a risk perspective and deal renewals. Manage new account strategy development, account management strategy development, and non-scoring models. Develop and execute integrated approaches for managing the ECM customer base by studying Profit & Loss (P&L) dynamics of combining multiple ECM actions. Analyze credit risk and provide credit recommendations and guidance to senior risk managers. Perform statistically-driven underwriting and risk analyses using advanced analytical techniques to develop acquisitions and underwriting strategies. Leverage external credit bureaus and internal data to develop analytical solutions, and perform statistical analyses and other advanced segmentation techniques to identify relationships and trends in data. Perform analytics on large datasets using SAS and Teradata and leverage decision tree analysis to perform risk and financial analyses. Develop customer level P&L to optimize strategies. Identify trends and conduct data driven root-cause-analysis using SAS and SQL to isolate key performance drivers. Develop and execute experimental test designs, sampling techniques, and analytical methods to identify underserved segments within risk appetite framework while balancing business risk and return. Apply understanding of inherent credit risks for a range of banking products including lending, structured/acquisition finance, and capital markets transactions. Analyze transactions and assist in structuring transactions to contain credit risk within acceptable parameters. Conduct internal and external oversight reviews and manage Operating Committee engagement. Produce credit and exposure analyses to ensure aggregate risk exposure to customers remains appropriate to credit standing.
Requirements: Requires a Bachelor’s degree, or foreign equivalent, in Engineering (any), Statistics, Mathematics or related quantitative field and 8 years of progressive, post-baccalaureate experience as a Credit Portfolio Sr. Risk Manager, Business Manager, Senior Data Analyst, Senior Business Analyst, or related position involving consumer credit risk analytics across consumer and small business lending. 8 years of experience must include: Consumer valuations and consumer behavior modeling; SAS, Teradata, SQL, and database development and management; Financial analysis; Profit & Loss modeling and profit optimization; Statistical test design and optimization; Building customer segmentation and credit risk strategies; and Performing statistical analysis using external credit bureaus & customer behavior data. Qualified applicants submit resumes referencing job code JC/CPSGM/PCP at https://jobs.citi.com/ or to Citigroup Recruiting Dept., 3800 Citigroup Center Drive, Tampa, FL 33610. Citigroup is an EOE Employer. Direct applicants only. Proof of full vaccination against COVID-19 required prior to commencing employment.