Credit Portfolio Officer (Best Buy… at Citigroup · Wilmington

Credit Portfolio Officer (Best Buy Existing Customer Management) - Vice President
Location: Schaumburg Illinois United States
This position resides within the Citi Risk Management department, responsible for a $10B+ Retail Credit Card Portfolio.  As part of the Citi Retail Services Risk Management team, the successful candidate will be responsible for developing, analyzing and executing ideas and initiatives designed to achieve business growth and loss mitigation goals. This responsibility involves driving credit risk initiatives as part of Existing Customer Risk Management. This role requires an individual with several years of credit risk management experience, strong statistical and data analysis skills, SAS skills, and the ability to derive rigorous segmentation results based on business knowledge and objective judgment of the balance between risk and reward for the portfolio. This position will have high cross-functional and partner interactions and requires strong interpersonal skills.

Responsibilities:
Responsible for developing, analyzing and executing ideas and initiatives designed to achieve business growth and loss mitigation goals. This responsibility involves driving credit risk initiatives in Best Buy's Existing Customer risk management with high cross-functional and partner interactions, requiring strong interpersonal skills.
Understand applicable credit policies, industry regulations and the requisite impact of those governance items on initiatives
Develop recommendations to adjust credit policies by analyzing credit and financial performance utilizing statistical scoring, segmentation, regression and simulation techniques
Ability to leverage credit risk data experience and business acumen to observe key trends / threats / inaccuracies and drivers of those observations
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
Establish and leverage cross-functional partnerships and network with key internal and external constituencies
Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity
Appropriately 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.
Has the ability to operate with a limited level of direct supervision.
Acts as SME to senior stakeholders and /or other team members.
Qualifications:
5+ years of experience in credit card risk management or equivalent training and experience preferably in the financial services industry
Proven ability to apply credit and risk principles toward business goals
Demonstrated ability to synthesize and prioritize
Proven ability to remain organized in a fast-paced environment
Strong interpersonal, organizational and problem solving skills
Proven skills to manage effectively across cross functional areas in a matrix-organization
Extensive knowledge of SAS programming including macro and SQL and knowledge of Knowledge Studio
Education:
Bachelor's degree/University degree in Quantitative Fields such as Economics, Statistics, Mathematics, Business Finance or Engineering, or equivalent experience
Master's degree preferred
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Job Family Group:
Risk Management
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Job Family:
Portfolio Credit Risk Management
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Time Type:
Full time
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Primary Location:
Schaumburg Illinois United States
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Primary Location Full Time Salary Range:
$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.
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Most Relevant Skills
Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.
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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:
Aug 11, 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.
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.
Additional Locations: Wilmington Delaware United States, Irving Texas United States