Credit Officer overseeing risk management for consumer lending at Splitit. Leading credit product delivery while managing compliance and strategic risk oversight in a hybrid work environment.
About the role
- Risk Policy Officer at Citi managing portfolio risk policy and working with regional counterparts for compliance and analytics. Focus on growing and maintaining healthy portfolios through effective management and collaboration.
Responsibilities
- Managing portfolio risk policy for the aligned products
- Focusing on growing and maintaining healthy portfolios through line and various accounts maintenance programs
- Work together with counterparts from Business, Sales, Credit Operations, Decision Management, Operations & Technology
- Ensure correct policy implementation at an operational level
- Interact with regional counterparts for policy approval and adherence to Global/Regional Policy requirement
- Provide analytics at portfolio and segment levels for monitoring and making policy adjustments
- Provide sound credit decisions with the goal of optimizing risk and rewards
- Work with the Risk MIS team for Credit Risk Reporting
- Reporting and accuracy of critical portfolio data returns to regulators
- Appropriate risk assessment when business decisions are made
- Responding to Analytic Requests & Surveys for portfolio and program performance
- Preparing transaction testing data for Audits
- Identifying Sizing Impacts for Issues/CAPS and implementing corrective action plans
Requirements
- 6-10 years experience in Statistics/Analytics/Decision Management
- Highly ethical and with integrity
- Excellent verbal and written English communication skills
- Effective listening skills
- Candidates must have effective negotiation skills
- A proactive and 'no surprises' approach in communicating Risk issues
- Strength in sustaining autonomous views
- Able to work across levels in risk management and also with other operations and business teams
- Excellent Presentation skills
- Able to identify and influence key decision makers across various levels and functions within the organization
- Able to work in a rapidly changing external environment
- Technical expertise (e.g. SAS/SQL/Excel/Database)
- Analytical skills
- Business domain knowledge
Benefits
- medical, dental & vision coverage
- 401(k)
- life, accident, and disability insurance
- wellness programs
- paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
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