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Credit Portfolio Officer
Hybrid\nApply (opens in new window)\n

Job Req Id:

26972329 Location(s):

Wilmington, Delaware, United States, Atlanta, Georgia, United States Job Type:

Hybrid Posted:

Jun. 23, 2026 Discover your future at Citi Working at Citi is far more than just a job. A career with us means joining a team of approximately 219,000 dedicated people from around the globe. At Citi, you'll have the opportunity to grow your career, give back to your community and make a real impact. Job Overview 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\nUnderstand applicable credit policies, industry regulations and the requisite impact of those governance items to prospective new partners or product initiatives\nEstablish and leverage cross-functional partnerships and network with key internal and external constituencies\nUtilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, forecasting and new program due diligence\nPrepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity\nHas the ability to operate with a limited level of direct supervision.\nCan exercise independence of judgement and autonomy.\nActs as SME to senior stakeholders and /or other team members.\nAppropriately 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.\nStrong understanding of credit card lending, Existing Customer Management (ECM), risk policy monitoring, portfolio optimization, and loss forecasting.\nProven ability to independently manage multiple priorities and deliver results in a fast-paced environment.\nStrong analytical and problem-solving skills with experience working with large datasets.\nExperience collaborating effectively with cross-functional partners.\nProficiency in SAS, SQL, or similar analytical tools.\nExcellent communication and presentation skills with the ability to influence stakeholders and senior leaders.\nDemonstrated 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.\nMaster's degree preferred

Job Family Group:
\nRisk Management
Job Family:
\nPortfolio Credit Risk Management
Time Type:
\nFull time
Primary Location:
\nWilmington Delaware United States
Primary Location Full Time Salary Range:
\n$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\nAnalytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.
Other Relevant Skills\nFor complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date:
\nJun 30, 2026
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\n( opens in new window)\n. View Citi's EEO Policy Statement\n( opens in new window) and the Know Your Rights\n( opens in new window) poster. Apply (opens in new window)\nShare this job\nX\nopens in new window\nFacebook\nopens in new window\nLinkedIn\nopens in new window\nGlobal Benefits Discover the top benefits offered to our global workforce, designed to support your well-being, growth and work-life balance. Explore a few of the highlights that make working with us rewarding. Learn About Global Benefits Explore More Jobs\nWholesale Credit Risk Reporting Head\nGetzville, New York\nWealth Relationship Manager

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