Credit Portfolio Senior Analyst

Citibank, N.A. seeks a Credit Portfolio Senior Analyst for its Wilmington, Delaware location.

Duties: Develop quantitative techniques to inform securities investing, equities investing, pricing, or valuation of financial instruments. Develop mathematical or statistical models for risk management, asset optimization, pricing, or relative value analysis. Perform credit review, approval, and portfolio monitoring. Develop credit techniques and procedural improvements. Identify areas for credit policy adjustments. Provide analytics at portfolio and segment levels for risk and profit optimization. Collaborate with Risk Management Information Systems (MIS) on Credit Risk Reporting and Portfolio Quality Review Reporting. Work with cross-functional teams in policy execution and management. Analyze credit and financial performance to recommend policy adjustments using statistical scoring, segmentation, regression, and simulation techniques. Analyze Cards portfolio performance at granular and product levels. Conduct data-driven root cause analysis using SAS and SQL to isolate key performance drivers. Develop credit tests and risk strategies using statistical and modeling techniques. Create tracking mechanisms for monitoring credit tests and expansions. Utilize SAS in a UNIX environment for risk, financial, and data analyses, including profiling, sampling, reconciliation, and quality testing. Evaluate and implement analytic tools to enhance reporting capabilities. Formulate objectives and develop analytical solutions using advanced segmentation techniques like PCA and CHAID. Write and integrate queries in SAS and SQL, ensuring reporting accuracy. Simplify data extraction processes to enhance datamarts. 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 Master’s degree, or foreign equivalent, in Statistics, Mathematics or related quantitative field and 1 year of experience as a Credit Risk Analyst or related position involving consumer credit risk management to mitigate risk in a global financial services institution. Alternatively, employer will accept a Bachelor’s degree in the specified fields and 3 years of experience in the above positions. 1 year of experience must include: Statistical analytics using SAS/SQL; Algorithm designing and analysis for behavior forecasting; SAS programming for data management; Regression analysis; Machine learning algorithm designing and implementation; Clustering analysis and risk segmentation; Simple and nonlinear regression models calculation; Model fit and assumption testing and variables adjustment; Experimental design including randomization, replication and control; Approximation of sampling distribution; Experimental data analysis for decision-making formulation and modeling; Credit risk management; Financial analysis; and Financial reporting. Applicants submit resumes at Please reference Job ID #26969288. EO Employer.

Wage Range: $112,600 to $138,000

Job Family Group: Risk Management

Job Family: Credit & Portfolio Risk Management

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Job Family:

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Time Type:

Full time

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Primary Location:

Wilmington Delaware United States

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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.

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Most Relevant Skills

Wholesale Lending Operations Management.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Oct 08, 2026

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Automated Processing and AI

We 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

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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.

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