Portfolio Credit Risk Management 2nd Line of Defense Lead Analyst

Join Citi to apply for the Portfolio Credit Risk Management 2nd Line of Defense Lead Analyst role. Are you a strategic credit risk professional ready to make a significant impact? Join our team to protect our financial stability and drive business success through expert portfolio credit risk management.

Key Responsibilities

• Minimize Credit Losses: Oversee credit risk activities to safeguard our financial health.
• Influence Strategy: Execute business strategies, manage risk appetite, calculate CECL reserves, and conduct stress tests.
• Ensure Excellence: Provide critical oversight and challenge to maintain top-tier portfolio management.
• Strategic Risk Monitoring: Lead stress testing and provide analytics for wholesale lending products.
• Portfolio Insights: Analyze macroeconomic data for business impact forecasts and trend analysis.
• Analytical Tooling: Develop tools for outcome analysis, loss forecasting, and "what-if" scenarios.
• Risk Assessment: Conduct quarterly gap assessments for scenario coverage and risk inventory.
• Clear Communication: Translate complex methodologies and risks for diverse stakeholders.
• Credit Portfolio Oversight: Manage credit limits and stress testing to balance risk and reward.
• Governance & Limits: Lead governance discussions and oversee single name/distribution risk.
• Account Strategy Validation: Challenge and validate new account strategies to minimize risk.
• Compliance & Audits: Conduct internal reviews, manage audits, and regulatory examinations.
• Regulatory Support: Assist with regulator/auditor requests and remediation plans.
• Process Management: Support end-to-end stress testing program and BAU execution.
• Cross‑Functional Collaboration: Partner effectively with various teams (risk, audit, tech, reporting).
• Project Execution: Organize and deliver ad‑hoc projects from start to finish.

Experience and Qualifications

• A minimum of 5+ years of relevant experience working in financial institutions.
• Proven experience in overseeing, challenging, and reviewing credit portfolio management.
• Past experience specifically with stress testing, model analytics, benchmarking, and review/challenge functions.
• Demonstrable ability to provide robust oversight, review, and challenge of risk management processes, portfolio risk reports, and credit data.
• Aptitude for organizing, coordinating, and executing projects successfully.
• Capability to collaborate effectively with diverse teams across the organization.
• Strong interpretation skills to convey complex quantitative methods in simple terms and communicate effectively with stakeholders.
• Competence in interpreting complex financial data to make informed decisions.
• Modeling and Quantitative Skills: Sound knowledge of statistical modeling concepts (econometric, statistical, application risk scoring) and industry best practices. Excellent quantitative and analytic skills to derive patterns, trends, and insights.
• Data and Tools: Proficiency with analytical or data manipulation tools (e.g., Tableau, Python, R, SQL) and the MS Office suite. Experience working with large datasets.
• Risk Knowledge: Comprehensive understanding of credit analysis, counterparty risk, risk measurements, and portfolio stress testing. Knowledge of scenario design, sensitivity shocks, macroeconomic variables, and the risk identification process. Proficiency in using risk management tools and exposure monitoring processes.

Benefits

• 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
• Discretional annual performance related bonus
• Chance to make a difference with various affinity networks and charity initiatives

Alongside a competitive base salary (annually reviewed) and a hybrid working model (up to 2 days working at home per week), Citi Solutions Center Poland offers a business casual workplace and additional benefits.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to 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.

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