Credit Risk Officer jobs in Delaware

As a Credit Portfolio Officer, you will be in a senior-level position responsible for leading Risk Management analytical activities including credit review, development and maintenance of credit policy and monitoring the portfolio to identify credit migration in coordination with the broader Risk Management team. The overall objective of this position is to manage Citi's portfolio exposure to client and counterparties globally.

Responsibilities:

• Experience developing, deploying, and managing credit policy for consumer lending portfolios, including use of credit predictive models using logistic regression, machine learning, and/or decision tree-based algorithms
• Develop framework for portfolio risk assessment including evaluation of credit and financial performance across varied lending products and industry segments
• Understand applicable credit policies, industry regulations and the requisite impact of those governance items to prospective new partners or product initiatives across the customer credit lifecycle, from Acquisitions and Initial line assignment to credit line increase/decrease and Collections
• Establish and leverage cross-functional partnerships and network with key internal and external constituencies
• Utilize SQL/Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, forecasting and new program due diligence
• Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity
• Can exercise independence of judgement and autonomy
• Acts as SME to senior stakeholders and /or other team members
• 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.

Qualifications:

• 6-10 years of experience preferably in the financial services industry
• 5 years or more of experience in credit card risk management or equivalent training and experience preferably in the financial services industry
• Proven ability to apply credit and risk principles toward business goals
• Demonstrated ability to synthesize and prioritize
• Proven ability to remain organized in a fast-paced environment
• Demonstrated interpersonal, organizational and analytic skills.
• Proficiency using industry standard analytical tools for data manipulation and presentation

Education:

• Bachelor's degree/University degree in statistics, mathematics, finance, economics, quantitative science or equivalent experience
• Master's degree preferred

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In addition to salary, Citis offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

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Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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