Portfolio Credit Risk Lead Analyst, Citi

Citi

Location:
Poland, Warsaw

Category:
Finance

Contract Type:
Employment contract

Salary:

Not provided

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Job Description:

This role oversees portfolio risk management activities to minimize credit losses and potential damage to the Citigroup franchise or reputation. The role includes developing business strategies, calculating Current Expected Credit Losses (CECL) reserves, conducting stress tests, loss forecasts, and managing risk appetite for the First Line of Defense (1LOD). For the Second Line of Defense (2LOD), the role involves providing effective oversight and periodic review and challenge of 1LOD portfolio management processes and outcomes. Individuals in this role ensure credit risk is managed effectively across all portfolios, protecting the company's financial stability and reputation while supporting the overall business strategy.

Job Responsibility:

oversee credit portfolio limits and stress testing, ensuring a balance between risk and reward and maintaining the company's risk appetite
develop advanced methodologies for limit setting within the credit portfolio, factoring in industry trends, regulatory standards, and internal risk appetite
manage comprehensive risk profiles, coordinating with regulatory bodies, conducting regular portfolio health checks and anticipatory identification of top risk factors
direct regular portfolio analysis, providing updates on portfolio performance, market trends, and risk factors for ongoing risk assessment and mitigation
lead governance discussions, interpreting limit governance rules and overseeing activities related to single name and distribution risk to ensure regulatory compliance
represent and coordinate the second line of defense in terms of risk appetite engagement, effectively communicating and managing risk statements and assessments
supervise the end-to-end framework for the adequacy of credit reserve and stress testing, ensuring proper management of the credit portfolio
examine, challenge, and validate new account strategies and account management development for robust checks, minimizing potential risk exposure
conduct rigorous internal and oversight reviews, probing into internal processes and controls, and managing any ensuing internal audits or regulatory examinations
assess risk when making business decisions, using advanced analytical skills to evaluate potential risks and protect the firm's reputation
uphold ethical conduct and ensure compliance with relevant legal and regulatory requirements by critically examining and challenging activities and processes
stay updated with industry trends and communicate clearly with various stakeholders, utilizing detailed analytical skills to make complex business decisions
actively monitor and adapt to the latest trends in credit risk analysis, leveraging them for improved forecasting and allowance calculations for credit
utilize expertise to enhance the efficiency and effectiveness of compliance processes for credit portfolio limits and negotiate strategic changes when necessary
proactively identifies opportunities to streamline work
creates process improvements that enhance efficiency for self and the team
takes personal accountability for escalating, identifying, and managing potential risk
implements controls that enhance the client experience and operational effectiveness.

Requirements:

6-10 years of experience proven experience in overseeing, challenging, and reviewing credit portfolio management
demonstrable understanding of credit analysis and counterparty risk with the ability to provide robust oversight and review
solid experience in the review, challenge and oversight of loanable value methodology and portfolio stress testing
ability to oversee, evaluate and challenge risk management tools and exposure monitoring processes
proficient in accuracy and completeness of credit data with the capability to oversee, challenge and review data sets
experience in overseeing, challenging, and reviewing risk management processes and portfolio risk reports
comprehensive understanding of risk measurements with a proven oversight, challenge and review skill set
competence in interpreting and analyzing complex financial data and making informed decisions
understanding of credit analysis, counterparty risk, and portfolio stress testing
proficiency in using risk management tools and exposure monitoring processes
readiness to promptly respond to ad-hoc transaction requests by identifying and mitigating trade-specific risks
capability to collaborate effectively with various teams including Risk Management, Technology, and Reporting Functions
skill in communicating complex financial concepts and risks to stakeholders
aptitude for organizing, coordinating, and executing projects from inception to completion
capacity to assist with information requests from regulators, auditors, and manage remediation efforts or corrective action plans
education: Bachelor's/University degree, Master's degree preferred.

What we offer:

private medical care program
life insurance program
pension plan contribution (PPE Program)
employee assistance program
paid parental leave program (maternity and paternity leave)
sport card
holidays allowance
sport and team recreation activities
special offers and discounts for employees
access to an array of learning and development resources
a discretional annual performance related bonus
a chance to make a difference with various affinity networks and charity initiatives.

Additional Information:

Job Posted:
September 18, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Portfolio Credit Risk Lead Analyst