Analista responsible for managing real estate contracts at Vivo, ensuring compliance and operational efficiency in São Paulo. Involves negotiations and strategic property management.
About the role
- Credit Portfolio Analyst II at Citi using analytics to manage risk in credit portfolios. Collaborating with teams to support credit card portfolio risk management through data-driven analysis and reporting.
Responsibilities
- Track portfolio performance metrics including delinquency, roll rates, losses, and utilization.
- Perform trend, vintage, and cohort analysis to identify early risk signals.
- Support creation and maintenance of risk dashboards and MIS.
- Assist in diagnosing portfolio performance changes and segment-level risk drivers.
- Analyze performance of new account vintages by channel, product, and segment.
- Monitor early delinquency and first-payment default trends.
- Support evaluation of acquisition strategies to balance growth and risk.
- Prepare analytical summaries for discussions with business and marketing teams.
- Support analysis for credit underwriting policy changes.
- Assist in evaluating approval rate vs loss trade-offs.
- Participate in champion–challenger analysis for policy and strategy updates.
- Help document policy rationale and analytical findings.
- Support loss forecasting and scenario analysis under guidance.
- Assist in assessing portfolio sensitivity to macroeconomic changes.
- Prepare clear, structured presentations for senior analysts and managers.
- Support documentation for risk governance and audit requirements.
Requirements
- 2–4 years of experience in credit card risk analytics, consumer lending, or financial analytics.
- Bachelor’s or Master’s degree in Statistics, Mathematics, Economics, Engineering, or related quantitative fields.
- Strong working knowledge of SQL/SAS; exposure to Python preferred.
- Experience working with large datasets.
- Experience with Tableau or PowerPoint for visualization and reporting.
- Understanding of consumer credit risk fundamentals.
- Ability to interpret data and explain results clearly.
- Structured thinking and attention to detail.
- Problem-solving skills to identify, analyze, and challenge basic problems.
- Familiarity with data interpretation and ability to challenge decisions based on data analysis.
- Willingness to learn and take increasing ownership.
- Ability to work collaboratively across teams.
- Clear and concise written and verbal communication.
Benefits
- Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more.
- We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families.
- We empower our employees to manage their financial well-being and help them plan for the future.
- Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.
- We have a variety of programs that help employees balance their work and life, including generous paid time off packages.
- We offer our employees resources and tools to volunteer in the communities in which they live and work.
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