Credit Portfolio Officer, Vice President

The Credit Portfolio Officer is a senior-level position responsible for leading activities including credit review, credit approvals and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to client and counterparties globally.

Responsibilities: Develop framework for portfolio risk assessment including evaluation of credit and financial performance across varied lending products and industry segments Understand applicable credit policies, industry regulations and the requisite impact of those governance items to prospective new partners or product initiatives Establish and leverage cross-functional partnerships and network with key internal and external constituencies 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 Has the ability to operate with a limited level of direct supervision. Can exercise independence of judgement and autonomy. Acts as SME to senior stakeholders and /or other team members.

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.

Recommended Qualifications: 6-10 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 Demonstrated interpersonal, organizational and analytic skills Education: Bachelor's degree/University degree or equivalent experience Master's degree preferred •Working Environment: office setting, minimal travelling and working hours in the

office may be required during projects. • Effort: minimal physical effort required. High levels of prolonged and intense concentration may be required in front of computer.

------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Portfolio Credit Risk Management ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Primary Location: Atlanta Georgia United States ------------------------------------------------------ Primary Location Full Time Salary Range: $107,120.00 - $160,680.00 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, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle. ------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.

------------------------------------------------------ Anticipated Posting Close Date: Aug 26, 2026 ------------------------------------------------------ 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 ------------------------------------------------------ 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.

• 6-10 years credit card risk management experience or equivalent in financial services
• Bachelor's degree or equivalent experience; Master's preferred
• Proficiency in SAS on UNIX, strong analytical, organizational, and interpersonal skills