The Credit Portfolio Intermediate Analyst role is a senior individual contributor and emerging risk leader responsible for owning portfolio risk strategy, influencing credit policy decisions, and driving risk-adjusted growth for the credit card business. The role combines deep analytics, strategic thinking, and stakeholder influence, acting as a key partner to senior risk and business leadership.

Role Summary:

Portfolio Monitoring & Strategic Insights

• Own end-to-end portfolio risk monitoring across delinquency, losses, payment behavior, and utilization.

• Lead vintage, cohort, and segmentation analysis to identify structural vs cyclical risk trends.

• Diagnose root causes of performance shifts and quantify P&L and capital impact.

• Define key risk indicators and ensure timely escalation of emerging risks.

• Support creation and maintenance of risk dashboards and MIS.

• Assist in diagnosing portfolio performance changes and segment-level risk drivers.

Acquisition & New Account Risk Strategy

• Own risk assessment of acquisition strategies across channels and products.

• Evaluate early lifecycle risk (FPD, early delinquency) and recommend corrective actions.

• Partner with Product and Marketing to optimize risk-adjusted acquisition growth.

• Challenge business proposals using data-backed risk insights.

Existing Customer Management (ECM) :

• Own end-to-end ECM strategy across CLI, CLD, authorization rules, and line management for defined portfolios or segments.

• Define risk-based customer segmentation frameworks using behavioral, transactional, and bureau data.

• Lead design and refinement of ECM policies and control frameworks to align with risk appetite and customer fairness standards.

• Evaluate and approve risk–return trade-offs for ECM initiatives, balancing loss mitigation, spend growth, and customer experience.

• Partner with Fraud, Collections, Product, and Marketing leaders to ensure consistent and effective ECM execution.

• Lead post-implementation performance reviews, identify root causes of deviations, and drive corrective actions.

• Provide clear, executive-ready recommendations for ECM strategy decisions and governance forums.

• Ensure strong controls, documentation, and audit readiness for all ECM-related strategies.

Responsibilities:

• Prepare clear, structured presentations for senior analysts and managers, ensure strong documentation, audit readiness, and control discipline.

• Participate in regular risk review forums as an analytical contributor.

• Act as a trusted advisor to senior risk and business leaders.

• Present insights and recommendations in clear, executive-ready narratives.

• Lead discussions in risk governance forums.

• 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.

Skills:

• Advanced SQL; strong experience in SAS and/or Python.

• Strong command of credit risk analytics: vintage, segmentation, forecasting.

• Good understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk, with demonstrated experience in reviewing these factors and challenging any discrepancies.

• Expertise in translating analytics into business decisions.

• Advanced PowerPoint storytelling and data visualization.

• Deep understanding of credit card lifecycle and risk economics.

• Ability to influence decisions through data and judgment, Strong strategic thinking and problem structuring.

• Willingness to learn and take increasing ownership.

• Ability to work collaboratively across teams.

• Clear and concise written and verbal communication.

Qualifications:

• 4+ years of relevant experience in credit card risk analytics, consumer lending, or financial analytics.

Education:

• Bachelor's /University degree or equivalent experience in business, Statistics, Mathematics, Finance, Economics, or related quantitative fields.

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

 

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