Credit Portfolio Officer

Job ID: 98562526192Posted: 2026-07-31Location: Wilmington, Delaware, United StatesCategory: Risk ManagementCompany: CitiCitibank, N.A. seeks a Credit Portfolio Officer for its Wilmington, Delaware location.Duties: Perform quantitative and statistical analyses to identify high-risk pockets and emerging risks. Design credit tests and develop underwriting and line assignment strategies. Develop framework for portfolio risk assessment including evaluation of credit and financial performance in credit card products, and recommend requisite strategies for tightening and expansion within risk appetite. Develop analytical insights and reporting to measure and monitor acquisition performance, interpret trends, and explain key drivers to leadership team. Ensure flawless timely execution of robust compliant policies. Evaluate partnerships based on understanding of cards and lending profit and losses dynamics. Leverage knowledge of applicable credit policies and industry regulations, and analyze impact of those governance elements to product initiatives. Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses, including profiling, sampling, forecasting, and new program due diligence. A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite, in accordance with Citi policies and protocols.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 Please reference Job ID #26971564. EO Employer.Wage Range: $151,200 to $175,000Job Family Group: Risk ManagementJob Family: Portfolio Credit Risk Management------------------------------------------------------Job Family Group: ------------------------------------------------------Job Family:------------------------------------------------------Time Type:Full time------------------------------------------------------Primary Location:Wilmington Delaware United States------------------------------------------------------Primary Location Full Time Salary Range: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 Please see the requirements listed above.------------------------------------------------------Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------Anticipated Posting Close Date:Sept 16, 2026------------------------------------------------------Automated Processing and AIWe use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.Illinois residents – AI Notice and Right------------------------------------------------------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.