Overview

Join to apply for the Portfolio Credit Risk Senior Lead Analyst - Senior Vice President role at Citi. This role is for Citi’s Portfolio Credit Risk team and focuses on portfolio risk management to minimize credit losses and protect the Citigroup franchise and reputation. The position involves CECL reserves calculation, stress testing, loss forecasts, and managing risk appetite for the First Line of Defense (1LOD). For the Second Line of Defense (2LOD), the role provides oversight and periodic review of 1LOD portfolio management processes and outcomes. Individuals in this role ensure credit risk is managed effectively across all portfolios and support 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, assessing and mitigating potential risks.
• Validate new account strategies, account management strategy development, and non-scoring financial models, ensuring robust checks are in place.
• Conduct internal and oversight reviews, manage internal audits or regulatory exams to uphold institutional integrity.
• Assess and analyse risk during decision making processes to safeguard the firm’s reputation and financial stability.
• Ensure firm policies are upheld, promote ethical conduct, and examine activities to ensure compliance with legal and regulatory requirements.
• Stay informed about industry trends and communicate effectively with stakeholders to support complex business decisions.
• Monitor and adapt current practices to trends in credit risk analysis, improving forecasting and allowance calculations.
• Enhance compliance processes for credit portfolio limits and negotiate strategic changes when necessary.
• Oversee 1LOD processes for portfolio management and drive strategic improvements for efficient operations.
• Develop limit methodologies, manage risk, coordinate regulatory interactions, and enhance process controls related to credit portfolio limits and stress testing.
• Manage governance discussions, oversee risk mitigation, and oversee deal-based limit constructs to balance risk exposure.
• Interpret limits governance, oversee risk activities including single-name and distribution risk, and define risk mitigation actions.
• Coordinate 2LOD risk appetite engagement, manage risk statements and assessments, and identify top risks for proactive management.
• Conduct regular portfolio health reviews, engage in ad-hoc risk control work, and identify risks for continuous improvement.
• Champion change, take ownership, and promote a positive and forward-looking mindset during uncertainty.
• Foster curiosity, seek diverse ideas, and apply learning to improve outcomes.
• Act as a change catalyst, align with organizational decisions, and help others prioritize team and enterprise success.
• Focus on high-priority work aligned to business goals; streamline processes and drive efficiency.

What we’ll need from you

• 10+ years of risk management experience, especially with credit portfolios, including 1LOD risk management oversight.
• Proficiency in credit analysis, counterparty risk, and portfolio stress testing, with ability to anticipate market changes.
• Aptitude for validating new account strategies, management strategies, and non-scoring financial models.
• Familiarity with compliance protocols and ability to direct and assess compliance adherence.
• Experience coordinating internal and external audits, oversight reviews, and audit processes.
• Ability to collaborate across teams and manage cross-functional initiatives.
• Strong risk assessment capabilities in decision making to protect the firm’s reputation.
• Proficiency ensuring compliance with legal and regulatory requirements.
• Advanced skills in analyzing complex financial data and making strategic decisions under review.
• Experience with risk management tools and exposure monitoring; ability to design and implement new processes.
• Responding to ad-hoc transaction requests with the ability to identify and mitigate trade-specific risks and forecast scenarios.
• Demonstrated leadership in cross-team collaboration and strategic decision making under scrutiny.
• Strong communication skills to explain complex financial concepts to stakeholders and withstand challenge.
• Excellent project management skills to oversee multiple projects from inception to delivery.
• Experience coordinating information requests from regulators and auditors and managing remediation actions.
• Education: Bachelors degree required; Master’s degree preferred.

What we can offer you

By joining Citi Solutions Center Poland, you’ll be part of a business-casual, hybrid workplace (up to 2 days at home per week) with a competitive base salary and a range of benefits:

• Private Medical Care Program
• Life Insurance Program
• Pension Plan contribution (PPE Program)
• Employee Assistance Program
• Paid Parental Leave Program
• Sport Card
• Holidays Allowance and team recreation activities
• Special offers and discounts for employees
• Access to learning and development resources
• Discretionary annual performance-related bonus
• Opportunity to engage with affinity networks and charity initiatives

Citi is committed to ensuring a workplace where everyone can bring their whole self to work. We encourage talented individuals worldwide to apply, stay and thrive.

If you’re ready, apply to discover the full range of your capabilities at Citi.

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 Regulation, Risk Controls and Monitors, Risk Identification and Assessment, Risk Remediation

EEO: Citi is an equal opportunity employer; qualified candidates will be considered without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other protected characteristic. Reasonable accommodations are available on request.