דרושים Credit Portfolio Group Manager ב-Citi Group ב-United States, Wilmington

Responsibilities:

• Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management
• Develop recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques
• Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing
• Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required
• Participate in developing, testing, and optimizing credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives
• Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management
• 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:

• 5-8 years of relevant experience
• Knowledge of commercial risk analytics
• Ability to apply credit and risk principles toward business goals
• Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
• Proven ability to remain organized in a fast-paced environment, managing multiple projects
• Proven interpersonal, organizational and analytic skills

Education:

• Bachelor's degree/University degree or equivalent experience

Anticipated Posting Close Date:

Requirements: Requires a Master’s degree, or foreign equivalent, in Economics, Statistics, Mathematics, Actuarial Science or related field and 2 years of experience as a Senior Analyst - Credit Risk or related position developing installment loan underwriting strategy and procedures for a financial services institution. 2 years of experience must include: SAS, SAS Studio; Data visualization; Analytical and technical skills in Machine learning; Microsoft Excel, Power Point, Tableau; Credit risk analytics; Underwriting strategy optimization; Financial analytics; and Portfolio development and customer level P&L optimization strategy building. Applicants submit resumes at https://jobs.citi.com/. Please reference Job ID #25862340. EO Employer.

Wage Range: $142,600 to $161,600

Anticipated Posting Close Date:

Responsibilities:

● Digitize key credit, operational and third party risk information including Concentration Risk and Risk Appetite Framework Tracking, breaches monitoring and execution oversight covering the CPB US RRE mortgage portfolio.

● Design and prepare periodic and ad hoc portfolio reporting for internal management, Risk, regulators, and auditors that analyze portfolio composition and trends in concentrations and delinquency/loss performance.

● Utilize Statistical Analysis System (SAS) in a UNIX environment on a regular basis to perform risk, financial and data analyses, partnering with GCB US Retail Banking and Mortgage’s (USRBM’s) portfolio management unit and utilizing common systems platforms.

● Lead or collaborate on projects driven by policy changes and/or re-engineering initiatives primarily related to Concentration Risk, Risk Framework and those necessitated by business self-identified initiatives or issues found by regulators and auditors.

● Develop analytics and reporting that support CPB US RRE policies and strategies. Work closely with key partners in Citi Private Bank, ICG and USRBM and portfolio subservicers to support and advance CPB US RRE and shared projects being developed.

Qualifications:

● 6-10 years of experience in the financial institution with a majority of experience in credit risk management or financial planning and analysis, preferably in the Delinquency Managed (DM) space.

● Experience in using econometric/statistical models and large datasets. Proficiency in running SQL queries in SAS, including macro language, for statistical and modeling analyses; writing SAS code a plus.

● Advanced proficiency in MS Office products (Access Database, VBA, Excel pivot tables, View Job Posting Details 02:13 PM 04/01/2020 Page 1 of 3 databases, Powerpoint), SQL. Project- but also detail-oriented, able to work independently by prioritizing workload and projects to meet hard deadlines

● Demonstrated interpersonal, communication, problem-solving and analytic skills

● Credit Risk knowledge or experience, particularly in DM mortgage credit, strongly preferred. Knowledge/experience of SharePoint, Qlikview, Oracal, Python systems/applications preferred.

● Experience in Tableau is required.

● Understanding of or familiarity with Citibank systems (Credit Platform, Credit Engine, Datamart, GRR, CIR, GCBC, Optima) and certain third-party systems/databases (Corelogic, BlackKnight) preferred.

● Familiarity with Citi credit policies and procedures preferred.

● Knowledge of accounting and financial reporting preferred.

Education:

• Bachelor's degree/University degree or equivalent experience, preferably in business, finance, statistics, economics, or related field, Master's degree preferred.

Anticipated Posting Close Date:

Requirements: Bachelor’s degree, or foreign equivalent, in Industrial Engineering and Management, Business Finance, Mathematics, or a related field, and nine (9) years of experience in the job offered, or in a related occupation in the financial services industry. Nine (9) years of experience must include: Using SQL and SAS to handle, manipulate, and analyze customer datasets; Conducting statistical modeling using Decision Trees and data analysis to identify high risk segments and synthesize these results for presentation to a less technical senior audience; Writing and implementing SAS programs and macros for reporting, automation and data analysis for portfolio performance monitoring; and Writing complex SQL queries using advanced tools and software including SQL, SAS Enterprise, advanced Excel (pivot tables) and PowerPoint. In the alternative, employer will accept a Master’s degree and seven (7) years of experience. 40 hrs./wk. Applicants submit resumes at . Please reference Job ID#. EO Employer.

Wage Range: $195,300.00 to $210,000.00

Anticipated Posting Close Date:

Requirements: Requires a Bachelor’s degree, or foreign equivalent, in Statistics, Business Analytics, Computer Engineering, or a related field and 5 years of progressive, post-baccalaureate experience as a Credit Risk Analyst, Data Analyst, Risk Manager, or related position involving quantitative and statistical analyses for risk management. 5 years of experience must include: Credit risk management; Underwriting and line management strategy development; Statistical analysis and quantitative analytics; Behavioral segmentations; Predictive power and model stability validation; Automation of reporting; Profit and loss analysis; and SAS, SQL, Tableau, Unix. Applicants submit resumes at https://jobs.citi.com/. Please reference Job ID #25844068. EO Employer.

Wage Range: $148,700 to $161,600

Anticipated Posting Close Date:

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is responsible for delivering on the end-to-end lifecycle of data utilized in credit risk decisioning systems, rules engines, and regulatory reporting. This role involves the integration, transformation, summarization, and governance of complex data sets, ensuring the accuracy, consistency, and control of data across multiple platforms and processes.

Strategic Data Integration:

• Define and execute a comprehensive data integration and summarization strategy, ensuring all credit risk-related data is aligned with the organization’s risk management objectives and regulatory reporting requirements.
• Development and deliver robust data controls, ensuring data is accurate, consistent, and secure across all systems, particularly those that drive rules engines and regulatory reporting processes.
• Architect scalable and resilient data integration pipelines that support real-time decisioning and long-term regulatory compliance in the evolving credit risk landscape.

Data Transformation & Summarization:

• Execute the transformation of raw and disparate data sets into actionable insights that support both strategic and tactical decision-making within credit risk frameworks.
• Implement sophisticated data summarization techniques that provide clarity on key performance indicators, risk metrics, and regulatory requirements, ensuring the data drives accurate and timely credit risk reporting.
• Support initiatives that leverage emerging technologies (AI/ML) to enhance the speed, accuracy, and scalability of data integration and summarization processes.

Build, Unit Test, and Deploy:

• Execute end-to-end delivery process for building, testing, and deploying data pipelines, ensuring seamless integration with rules engines and decisioning platforms.
• Design and execute unit tests, ensuring that data transformations and controls are thoroughly validated before deployment.
• Ensure continuous improvement of data delivery methodologies, promoting automation and operational excellence in the build, test, and deployment of credit risk data solutions.

Regulatory Reporting & Compliance:

• Ensure that all data driving regulatory reporting is accurate, timely, and adheres to both internal and external compliance standards, including OCC, CFPB, and Fed regulations.
• Collaborate closely with compliance and regulatory teams to ensure that data integration processes meet the evolving demands of regulatory scrutiny and industry best practices.
• Design data-driven processes and systems that streamline reporting, reducing manual interventions while enhancing accuracy and timeliness.

Data Governance & Control Framework:

• Deploy a governance framework that ensures the accuracy, security, and quality of data throughout its lifecycle—from ingestion to reporting.
• Implement data control mechanisms that proactively monitor for and mitigate risks related to data accuracy, completeness, and consistency in credit risk models and decisioning platforms.
• Collaborate with senior leadership across Risk, IT, and Compliance to ensure data governance practices align with both internal policies and external regulatory requirements.

Cross-Functional Collaboration & Stakeholder Engagement:

• Engage with senior stakeholders across Risk, IT, Compliance, and Business units to ensure that data strategies are aligned with organizational goals and business outcomes.
• Build strong partnerships with technology teams to ensure that data pipelines are seamlessly integrated with credit risk systems, ensuring agility and scalability as business needs evolve.
• Act as a key liaison to regulators, industry groups, and external auditors, representing the organization in discussions around data governance, controls, and regulatory reporting practices.

Innovation & Continuous Improvement:

• Champion innovation efforts that enhance the automation, scalability, and efficiency of data integration and controls within the credit risk framework.
• Stay at the forefront of industry advancements in data governance, AI/ML, and data transformation technologies, applying these insights to continuously improve data management processes.
• Proactively identify areas for improvement in the data lifecycle, driving projects that reduce costs, increase accuracy, and improve compliance outcomes.

Educational Background:

Advanced degree in Data Science, Information Technology, Risk Management, or a related field is required. Certifications Data Management or Risk Technology are highly preferred.

Extensive Data Summarization / Data Management Experience:

• 5+ years of direct hands-on experience with data summarization. Attribute Toolbox (ATB) and Magnum preferred.
• 7+ years of experience in data management, risk technology, or financial services, with at least 5+ years leading enterprise-level data integration and governance initiatives.
• SAS Programming and Microsoft Office proficiency are highly desirable.
• Proven ability to deliver complex data integration and governance projects within large-scale, highly regulated environments.

Data Governance & Controls:

• Experience in designing and implementing data management and governance frameworks that align with regulatory standards, including experience with data controls, summarization, and transformation in a credit risk context.
• Strong expertise in managing data used in decisioning systems, rules engines, and regulatory reporting, ensuring accuracy and consistency throughout the data lifecycle.

Technology & Innovation:

• Demonstrated experience with modern data integration tools, cloud platforms, and emerging technologies (AI/ML) that drive data transformation, testing, and deployment.
• A track record of innovation efforts that enhance the automation and efficiency of data delivery, ensuring timely and accurate reporting across credit risk platforms.

Regulatory Knowledge & Compliance:

• Understanding of regulatory requirements in credit risk, including OCC, CFPB, and Fed regulations, with experience ensuring compliance related to data initiatives.
• Relationships with regulatory bodies and industry groups is a plus.

Stakeholder Management & Executive Communication:

• Exceptional communication and presentation skills, with the ability to engage senior leadership and external stakeholders on complex data and risk management topics.
• Proven ability to drive cross-functional collaboration, ensuring that data strategies are aligned with risk, compliance, and business objectives.

Financial Acumen:

• Strong financial management skills with experience managing large-scale data projects, including budgeting, forecasting, and cost optimization.

Anticipated Posting Close Date:

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Anticipated Posting Close Date:

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