Citigroup, Inc

Vice President - Credit Portfolio Officer - Hybrid

Citigroup, Inc • $114K — $172K *
Wilmington, DE 19805Hybrid
Finance & Insurance
5 - 7 years of experience
3 weeks ago
Job Overview by Ladders

Qualifications

  • 6-10 years of experience in credit risk, portfolio management, or consumer lending, preferably in credit cards
  • Strong understanding of credit card lending and risk policy monitoring
  • Proven ability to manage multiple priorities in a fast-paced environment
  • Strong analytical and problem-solving skills with large datasets
  • Experience collaborating with cross-functional partners
  • Proficiency in SAS, SQL, or similar analytical tools
  • Excellent communication and presentation skills
  • Ability to balance business objectives with sound risk management practices

Responsibilities

  • Develop a framework for portfolio risk assessment across lending products and industry segments
  • Understand credit policies and regulations impacting new partners or product initiatives
  • Establish partnerships and networks with key internal and external stakeholders
  • Utilize SAS in a UNIX environment for risk, financial, and data analyses
  • Prepare risk management presentations for senior management
  • Operate with limited supervision and exercise independent judgment
  • Act as a subject matter expert for senior stakeholders

Benefits

  • Medical, dental & vision coverage
  • 401(k) plan
  • Life, accident, and disability insurance
  • Wellness programs
  • Paid time off including vacation, sick leave, and holidays
Full Job Description
The Credit Portfolio Officer is a senior-level position responsible for leading activities including credit review, credit approvals and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to client and counterparties globally.

Responsibilities:
  • 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
  • Establish and leverage cross-functional partnerships and network with key internal and external constituencies
  • Utilize 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
  • Has the ability to operate with a limited level of direct supervision.
  • 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.


Recommended Qualifications:
  • 6-10 years of experience in credit risk, portfolio management, or consumer lending, preferably within credit cards.
  • Strong understanding of credit card lending, Existing Customer Management (ECM), risk policy monitoring, portfolio optimization, and loss forecasting.
  • Proven ability to independently manage multiple priorities and deliver results in a fast-paced environment.
  • Strong analytical and problem-solving skills with experience working with large datasets.
  • Experience collaborating effectively with cross-functional partners.
  • Proficiency in SAS, SQL, or similar analytical tools.
  • Excellent communication and presentation skills with the ability to influence stakeholders and senior leaders.
  • Demonstrated ability to balance business objectives with sound risk management practices.


Education:
  • Bachelor's degree/University degree or equivalent experience in Finance, Economics, Statistics, Mathematics, Business, Engineering, or a related quantitative discipline.
  • Master's degree preferred


Job Family Group:
Risk Management

Job Family:
Portfolio Credit Risk Management

Time Type:
Full time

Primary Location:
Wilmington Delaware United States

Primary Location Full Time Salary Range:
$114,720.00 - $172,080.00

In addition to salary, Citi's 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.

Most Relevant Skills
Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.

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

Anticipated Posting Close Date:
Jun 30, 2026

About Citigroup, Inc

Citigroup is a financial services holding company that provides financial products and services. The company operates through two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, commercial banking, Citi-branded cards, and Citi retail services. The ICG segment offers various banking, and financial products and services to corporate, institutional, public sector, and high-net-worth clients. This segment provides wholesale banking products and services, including fixed-income and equity sales and trading, foreign exchange, prime brokerage, derivative services, equity and fixed-income research, corporate lending, investment banking, and advisory services, private banking, cash management, trade finance, and securities services. Citi is committed to sustainability and social responsibility, and the company invests in initiatives that promote economic progress.

Citigroup, Inc Careers

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Learn more about Citigroup, Inc
Market Cap
$1.3 billion
Industry
Finance & Insurance
Net Income
$89.6 million
Founded
1812
5 Year Trend
+4.6%
NASDAQ
C
* Ladders Estimates

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