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Citi Logo Citi · Finance

Credit Portfolio Senior Analyst

United States, Wilmington Employment contract 112600.00 - 138000.00 USD / Year · Job Posted June 29, 2026
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Job Description

Citibank, N.A. seeks a Credit Portfolio Senior Analyst for its Wilmington, Delaware location.

Job Responsibility

  • Develop quantitative techniques to inform securities investing, equities investing, pricing, or valuation of financial instruments
  • Develop mathematical or statistical models for risk management, asset optimization, pricing, or relative value analysis
  • Perform credit review, approval, and portfolio monitoring
  • Develop credit techniques and procedural improvements
  • Identify areas for credit policy adjustments
  • Provide analytics at portfolio and segment levels for risk and profit optimization
  • Collaborate with Risk Management Information Systems (MIS) on Credit Risk Reporting and Portfolio Quality Review Reporting
  • Work with cross-functional teams in policy execution and management
  • Analyze credit and financial performance to recommend policy adjustments using statistical scoring, segmentation, regression, and simulation techniques
  • Analyze Cards portfolio performance at granular and product levels
  • Conduct data-driven root cause analysis using SAS and SQL to isolate key performance drivers
  • Develop credit tests and risk strategies using statistical and modeling techniques
  • Create tracking mechanisms for monitoring credit tests and expansions
  • Utilize SAS in a UNIX environment for risk, financial, and data analyses, including profiling, sampling, reconciliation, and quality testing
  • Evaluate and implement analytic tools to enhance reporting capabilities
  • Formulate objectives and develop analytical solutions using advanced segmentation techniques like PCA and CHAID
  • Write and integrate queries in SAS and SQL, ensuring reporting accuracy
  • Simplify data extraction processes to enhance datamarts

Requirements

  • Master’s degree, or foreign equivalent, in Statistics, Mathematics or related quantitative field and 1 year of experience as a Credit Risk Analyst or related position involving consumer credit risk management to mitigate risk in a global financial services institution
  • OR Bachelor’s degree in the specified fields and 3 years of experience in the above positions
  • 1 year of experience must include: Statistical analytics using SAS/SQL
  • Algorithm designing and analysis for behavior forecasting
  • SAS programming for data management
  • Regression analysis
  • Machine learning algorithm designing and implementation
  • Clustering analysis and risk segmentation
  • Simple and nonlinear regression models calculation
  • Model fit and assumption testing and variables adjustment
  • Experimental design including randomization, replication and control
  • Approximation of sampling distribution
  • Experimental data analysis for decision-making formulation and modeling
  • Credit risk management
  • Financial analysis
  • Financial reporting

What we offer

  • medical
  • dental & vision coverage
  • 401(k)
  • life, accident, and disability insurance
  • wellness programs
  • paid time off packages including planned time off (vacation), unplanned time off (sick leave), and paid holidays
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