Credit Risk and Reserves Officer

The Credit Risk and Reserves Officer is a senior-level position responsible for leading activities in credit loss forecasting and reserves blending, expertise in portfolio analytics, monitoring portfolio performance while closely following the latest trends in the field. This role is pivotal in ensuring the accuracy, efficiency, and transparency of credit loss reserves while enhancing data‑driven decision‑making with a strong focus on simplification. You will work closely with finance, risk, and technology teams to streamline reserve methodologies, improve reporting processes, and drive automation initiatives. Responsibilities Calculate and analyze credit risk reserves across diverse loan portfolios, ensuring alignment with accounting and CECL standards. Identify key drivers of reserve changes, trends in portfolio performance, and emerging credit risks. Develop and maintain reserve forecasting models, stress‑testing frameworks, and scenario analyses. Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity. Create, review, and share critical business decks for leadership and global policy. Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, forecasting and due diligence. Drive AI and advanced analytics initiatives, including automation of reserve processes. Simplify and automate reserve calculation workflows, reducing manual processes and enhancing efficiency. Enhance reporting tools and dashboards to improve visibility and decision‑making for senior leadership. Work with cross‑functional teams to ensure data integrity and alignment across finance and risk functions. Identify opportunities to streamline methodologies, eliminate redundancies, and enhance operational efficiency. Drive adoption of digital tools and frameworks that enhance analytical capabilities and reduce complexity. Work closely with Governance and Model Risk Management to ensure adherence to all policy requirements. Act as SME to senior stakeholders and/or other team members. Appropriately assess risk when business decisions are made, demonstrating 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 Bachelor’s degree required in Mathematics, Engineering, Statistics, Economics, Physics, or a relative quantitative discipline (Master’s degree, MBA or CPA preferred, or equivalent experience). 6‑10 years of experience in credit card risk management or equivalent preferably in the financial services industry, with a preference for work in forecasting, accounting or credit risk management. Ability to develop and perform financial and risk analysis that addresses concerns and issues, and ability to present them to management and external auditors with a clear and concise approach. Advanced usage of Excel, SAS/SQL/Python required (2+ years), proficiency in PowerPoint, Word required, Oracle Hyperion tools (Essbase, Smart View), Tableau preferred. Ability to work with senior managers, internal stakeholders to help build consensus to address difficult and complex business needs. Leadership competencies expected. Has the ability to operate with a limited level of direct supervision. Proven ability to remain organized in a fast‑paced environment. Demonstrated interpersonal, organizational and analytic skills. Education Bachelor’s degree required in Mathematics, Engineering, Statistics, Economics, Physics, or a relative quantitative discipline (Master’s degree, MBA or CPA preferred, or equivalent experience). Master’s degree preferred. Salary and Benefits Primary Location: Wilmington, Delaware, United States. Full time salary range: $125,760.00 – $188,640.00. In addition to salary, Citi’s offerings may also include 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 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. Equal Employment Opportunity 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. View Citi’s EEO Policy Statement and the Know Your Rights poster. #J-18808-Ljbffr Citi