Portfolio Credit Risk Senior Lead Analyst

Are you looking for a career move that will put you at the heart of a global financial institution? Then bring your skills and experience in Credit Risk, Analytics and Governance to Citi's Portfolio Credit Risk team.

By Joining Citi, you will become part of a global organisation whose mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.

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.

What you'll do :

• 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.
• Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.
• Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures. Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.
• Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization. Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda
• Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities. Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.

What we'll need from you :

What we can offer you :

By joining Citi Solutions Center Poland, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed) and enjoy a whole host of additional benefits such as :

Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day. We want the best talent around the world to be energized to join us, motivated to stay, and empowered to thrive.

Sounds like Citi has everything you need? Then apply to discover the true extent of your capabilities.

#LI-TM3

Job Family Group : Risk Management

Job Family :

Portfolio Credit Risk Management

Time Type : Full time

Most Relevant Skills

Analytical Thinking, Credible Challenge, Governance, Monitoring and Evaluation, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment, Risk Remediation.

Other Relevant Skills

For complementary skills, please see above and / or contact the recruiter.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to use our search tools and / or apply for a career opportunity review Accessibility at Citi .

View Citi's EEO Policy Statement and the Know Your Rights poster.