Officer, Credit Portfolio Intermediate Analyst

About the job

The Consumer Cards Credit Risk Intermediate Analyst 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. **Key Responsibilities:** • 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. **Existing Customer Management (ECM) Responsibilities:** • 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. **Expectation:** Move from “what is happening” to “what should we do and why.” **Stakeholder Communication & Governance:** • Prepare clear, structured presentations for senior analysts and managers. • Participate in regular risk review forums. • Act as a trusted advisor to senior risk and business leaders. This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Requirements

• Credit Risk Analytics
• SQL
• SAS
• Data Visualization
• Analytical Thinking

Qualifications

• Master’s degree in business
• Statistics
• Mathematics
• Finance
• Economics

Preferred Technologies

• Credit Risk Analytics
• SQL
• SAS
• Data Visualization
• Analytical Thinking

Benefits

• Resources for physical and mental well-being
• Paid Parental Leave
• Career development resources

About the company

At Citi, we connect millions of people across hundreds of cities and countries every day. With over 200 years of experience, Citi provides a broad range of financial services and products to clients around the world.