Job Description

The Mortgage Servicing Credit Risk Strategy & Analytics role will support the development, implementation, and management of default risk, credit losses, collection/loss-mitigation and OREO strategies and policies for consumer mortgage lending portfolios. This includes leading credit analytics in assessing various internal and external data sources for inclusion into policies and default risk strategies to optimize risk-reward tradeoffs for credit portfolios. This role requires a deep level of understanding of statistics, data, modeling, and analytical tools to creatively support the responsible growth and risk management of assigned portfolios.

RESPONSIBILITIES

• Assist in developing credit portfolio management strategies across default life cycle (collections, loss-mitigation, HELOC Line Management) internally and with strategic partners by leveraging data analytics inclusive of score-based models, on-us/off-us data, and business rules
• Support Portfolio Risk Manager to optimize risk-return dynamics by overseeing credit/default risk and/or collection strategies and developing recommendations for policy optimization throughout the default lifecycle
• Develop framework for portfolio risk assessment including evaluation of credit, financial and collections performance across varied segments of mortgage residential portfolios.
• Understand applicable credit policies, industry regulations and the requisite impact of those governance items to new 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
• Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity
• Stay abreast of emerging industry trends in data analytics and perform proactive analytics to assess and support portfolio and origination strategies
• Proactively identify emerging risks within the portfolio and gaps that might compromise Credit Policy strategies and increase losses.
• Liaise with key stakeholders to advance and support initiatives.

• Lead analytics workstreams partnering with stakeholder teams effectively to impart knowledge and rationale for tasks and ensure ownership for assigned responsibilities, lead to successful completion of goals, as an incubator for innovation
• Knowledge of Citibank credit policies and practices and regulatory policies, to assist unit in achieving compliance with the above and satisfactory ratings from internal and external auditors.

QUALIFICATIONS:

• 6-10 years of experience in credit risk management in the financial services industry performing quantitative analysis, risk analytics, implementation of analytically driven risk management approaches, models or tools
• Experience within Mortgage Servicing or one or more areas in credit portfolio management (collections, loss-mitigation, foreclosure/REO, net credit loss, FFIEC/accounting impairment)
• Bachelor’s degree in economics, Finance, Statistics, Applied Mathematics or related fields. Master’s degree preferred.
• Active role in performing some analytical components of model or quantitative method/tool development (data collection, segmentation analysis, sensitivity testing, business rules/ model documentation, & production implementation)
• Statistical/econometric programming skills strongly preferred (SAS, Tableau, PYTHON, etc.)
• Prior experience working in a regulatory and compliance policy environment

SKILLS / ABILITIES:

• Demonstrated ability to proactively synthesize, prioritize and drive results with a high sense of urgency
• Strong communications/presentation skills, capable of interacting effectively both technical and non-technical audiences.
• Ability to obtain support and buy-in across a wide range of stakeholders; create a strong network of relationships among peers, internal partners, external constituencies, and decision makers.
• Ability to think strategically and articulate concepts clearly. Ability to see the "big picture" without losing attention to detail.
• Must be highly organized and able to work in a fast-paced environment managing multiple projects and possess strong interpersonal, organizational and analytic skills

------------------------------------------------------

Job Family Group:

Risk Management

------------------------------------------------------

Job Family:

Portfolio Credit Risk Management

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Primary Location:

Irving Texas United States

------------------------------------------------------

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.

------------------------------------------------------

Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

------------------------------------------------------

Other Relevant Skills

Credible Challenge, Data Analysis, Laws and Regulations, Management Reporting, Referral and Escalation, Risk Remediation.

------------------------------------------------------

Anticipated Posting Close Date:

May 28, 2026

------------------------------------------------------

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.