Portfolio Credit Risk Senior Lead Analyst, Citi

Citi

Location:
Poland, Warsaw

Category:
Finance

Contract Type:
Not provided

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:

Supervise and scrutinize risk management activities related to the credit portfolio, including risk assessment, mitigation, monitoring, and reporting to ensure optimal performance
Oversee the end-to-end framework for credit reserve adequacy and stress testing, carefully assessing and mitigating potential risks
Validate new account strategies, account management strategy development, and non-scoring financial models, ensuring robust and effective checks are in place
Conduct rigorous internal and oversight reviews, probing and investigating internal processes and controls, managing any internal audits or regulatory exams to uphold institutional integrity
Assess and analyse risk during decision making processes, using sound judgement to safeguard the firm's reputation and financial stability
Ensure firm policies are upheld, promote ethical conduct, and rigorously examine activities and processes to ensure compliance with relevant legal and regulatory requirements
Stay informed about industry trends, leverage strong communication skills to clearly relay information to various stakeholders and make complex business decisions
Monitor and adapt current practices according to the latest trends in credit risk analysis, leveraging expertise for improved forecasting and allowance calculations
Utilize expertise to enhance compliance processes for credit portfolio limits and negotiate strategic changes when necessary
Serve as a key authority in overseeing the first line of defense processes for portfolio management, adapt to industry trends, and drive strategic improvements for efficient operations
Develop limit methodologies, manage risk, coordinate regulatory interactions, and enhance process controls in the context of overseeing credit portfolio limits and stress testing
Manage governance discussions, oversee risk mitigation efforts, and deal-based limit constructs to ensure balanced risk exposure
Interpret limits governance, oversee risk activities including single name and distribution risk, and define risk mitigation activities to ensure overall portfolio health
Represent and coordinate second line of defense risk appetite engagement, manage risk statements and assessments, identify top risks to ensure proactive risk management
Conduct regular reviews of portfolio health, engage in ad-hoc work related to risk control, and identify potential risks for the purpose of continuous improvement and risk reduction

Requirements:

10+ years solid knowledge and hands-on experience in risk management, especially with credit portfolios, exhibiting abilities in scrutinizing, probing, and supervising first line of defense risk management
Proficiency in credit analysis, counterparty risk, and portfolio stress testing, including the ability to predict and plan for potential market fluctuations whilst challenging these predictions
Acumen in questioning, examining, and validating new account strategies, account management strategies, and non-scoring financial models
Familiarity with compliance protocols with a demonstrated ability to direct, assess and dispute compliance adherence
Experience in conducting and directing internal and external audits, with a strong understanding of oversight reviews, demonstrating competence in questioning and appraising audit processes
Ability to collaborate with multiple teams and departments with a focus on managing, inspecting and disputing collaborative endeavours
Comprehensive knowledge and experience in risk assessment, particularly when making business decisions demonstrating, strength in contesting, scrutinizing, and ensuring decisions maintain the firm's reputation
Proficiency in ensuring compliance with legal and regulatory requirements, demonstrating ability to dispute, assess, and supervise compliance processes
Advanced expertise in scrutinizing and evaluating complex financial data, with the capacity to make strategic decisions under review
Mastered use of risk management tools and exposure monitoring processes with the ability to design, implement, and critically assess new processes
Prompt and efficient in responding to ad-hoc transaction requests with a keen ability to identify, mitigate and challenge trade-specific risks and forecast potential risk scenarios
Demonstrated leadership in driving collaboration with various teams, with skill in influencing and driving strategic decisions reporting under scrutiny
Skilled communicator with the ability to explain complex financial concepts and risks to stakeholders and ensuring these communications stand up to challenge and review
Exceptional project management skills, with the capability to oversee multiple projects from inception to completion, ensuring timely and successful delivery under constant review
Capable of leading information requests from regulators and auditors, managing remediation efforts or corrective action plans, and ensuring compliance while minimizing business risks
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

Additional Information:

Job Posted:
September 18, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Portfolio Credit Risk Senior Lead Analyst