Defaulthttps://xerox.jobs2026-06-10 02:16:09AtlantaHome DepotUnited StatesUSA2026-06-10 02:16:09**Position Purpose:** **Role Summary** The Portfolio Risk and Monitoring Manager is responsible for overseeing the health, risk distribution, and financial compliance of the Pro Trade Credit portfolio. This role focuses on proactive risk mitigation, portfolio analytics, bad debt forecasting, and ensuring the portfolio aligns with the company's risk tolerance. **Key Responsibilities** + **Portfolio Analysis:** Monitor and analyze the entire trade credit portfolio for risk concentrations (industry, geography, asset class) and macroeconomic trends. + **Risk Mitigation:** Develop and implement risk-mitigation strategies, including the use of liens, bonds, letters of credit, and corporate guarantees. + **Reporting & Analytics:** Design and deliver executive-level dashboards tracking portfolio health, aging trends, and Key Risk Indicators (KRIs). + **Policy & Compliance:** Maintain and update the company's Pro Trade Credit policy; ensure underwriting and collections activities adhere to compliance standards. + **Reserve Management:** Partner with Finance and Accounting to calculate and manage the Allowance for Doubtful Accounts (bad debt reserves) using predictive modeling. **Direct Manager/Direct Reports:** + This Position typically reports to the Sr. Manager or Director, Pro Trade Credit + This Position has 6 Direct Reports **Travel Requirements:** + Typically requires overnight travel 5% to 20% of the time. **Physical Requirements:** + Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions, there may be a need to move or lift light articles. **Working Conditions:** + Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable. **Minimum Qualifications:** + Must be at least 18 years old + Must be legally permitted to work in the United States **Preferred Qualifications:** + Working knowledge of Microsoft Office Suite + Demonstrated ability to collaborate and work effectively with cross-functional teams + Ability to draw accurate conclusions from financial documentation + Demonstrated project management skills + Ability to negotiate, handle complaints, settle disputes, and resolve grievances with both internal and external customers + Excellent written and verbal communication skills + 3+ years' experience in commercial trade credit management and/or supervisory capacity in credit servicing center and underwriting teams. + Knowledge, Skills, Abilities and Competencies: + An understanding and knowledge of the principles/disciplines of commercial underwriting and credit program administration. + People and team management skills + A strong grasp of credit and customer service/call center management skills. Able to manage/coordinate customer servicing levels. Understands how to structure and manage staffing, manage collections and effective receivables management relative to operational structure and servicing needs. + Sound understanding of lien based lending and effective receivables management strategies. + Ability to leverage data and analysis to craft a well-thought story and business case. Very strong communication skills to deliver business cases and gain support for process development and business strategies. Demonstrated decisiveness and sound decision-making skills. + Able to think strategically about business problems and opportunities and to focus efforts on strategies that most closely support key company initiatives. **Minimum Education:** + The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job. **Preferred Education:** + The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job. **Minimum Years of Work Experience:** + 6 **Preferred Years of Work Experience:** + 6 **Minimum Leadership Experience:** + 3 **Preferred Leadership Experience:** + 3 **Certifications:** + None **Competencies:** + Decision Quality + Collaborates + Drives Engagement + Ensures Accountability + Plans and Aligns + Communicates Effectively + Customer Focus + Develops Talent + Drives Results + Manages Conflict We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, and basis of disability or any other federal, state or local protected class. Apply End Date: 06/10/2026 - $0.00 - $0.00Atlanta, GAReq183295GeorgiaGANone383F6DAC8ADE43C18C1C5BFBF54FE6B5https://xerox.jobs/383F6DAC8ADE43C18C1C5BFBF54FE6B523PlanoJPMorgan ChaseUnited StatesUSA2026-06-09 04:50:13Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Portfolio Risk Intelligence Manager Executive Director within the 2nd Line of Defense (2LOD) Credit Risk organization, you are accountable for delivering portfolio and data-driven insights to support effective risk oversight of CTL's ~$100B portfolio. The Portfolio Risk Intelligence Manager provides independent review, oversight, and credible challenge of portfolio data, risk reporting, and risk trends to optimize portfolio risk management and inform risk appetite and strategy. You scale portfolio intelligence capabilities, strengthen governance around models and tools, and advance the organization toward a Continuous Monitoring framework. As the team manager, you will create and lead a team of six and serve as a trusted partner to senior leadership across Risk and the business. **Job Responsibilities** + Deliver comprehensive insights on portfolio health; identify and monitor top and emerging risks; and drive appropriate risk appetite and influence strategy in an evolving environment. Activities include periodic and ad hoc analysis of market and industry segment deep dives, new markets, and emerging trends. + Lead the development and implementation of data-driven strategies, fostering a culture of data reliance to enhance portfolio management and risk mitigation. + Build compelling data visualizations and distill key information from large datasets. Clearly communicate findings, participate in forums, and advance the dialogue around credit trends within the risk community at both the analyst and executive levels. + Partner with Quantitative Research (QR) on behalf of Risk to optimize the effectiveness of growing usage of models/tools and their governance as we move toward a Continuous Monitoring framework. + Oversee the credit forecasting process, ensuring assumptions, outputs and reporting are accurate and appropriate for current portfolio performance and emerging risk factors. + Partner with Operational Analytics, Credit Reporting, and Product teams to source data and develop/maintain robust CTL Risk Reporting. + Respond to a regular stream of ad hoc inquiries and requests from senior leadership and business leaders regarding portfolio performance, market/industry trends, and potential or emerging risks, delivering timely, accurate, decision-useful analysis. + Manage data-centric processes owned by Risk, including various dashboards, market classification process, lease rollover tool, and others with a focus on control rigor, transparency, scalability, and consistency of definitions and outputs. + Create and lead a high-performing team of six, setting the vision, operating cadence, development plan, and performance standards required to deliver high-impact portfolio risk impact at scale in a collaborative, analytical culture. **Required Qualifications, Capabilities, and Skills** + 10+ years of progressive experience in credit risk, portfolio risk management, credit analytics, or closely related roles within a large financial institution or regulated environment. + Demonstrated expertise in portfolio performance measurement, risk drivers, risk appetite articulation, early-warning indicators, and producing executive-ready risk narratives that connect data to business outcomes. + Proven experience owning or leading a credit forecasting process, including oversight of assumptions, segmentation, scenario sensitivity, and governance routines for senior management review. + Strong data and analytics capability, including comfort with large datasets and modern analytics tools; ability to translate complex analysis into clear executive-level insights and recommendations. + Demonstrated ability to provide independent oversight, review, and effective challenge in a 2LOD context, with strong judgment, control-minded execution, and high standards for documentation and repeatability. + Excellent written and verbal communication skills, with the ability to credibly engage senior leaders, influence outcomes, and drive alignment across stakeholders with differing priorities. **Preferred Qualifications, Capabilities, and Skills** + Advanced degree (MBA, MS, or equivalent) in finance, economics, data/analytics, engineering, or a related discipline. + Experience partnering with Quantitative Research and model stakeholders on model/tool adoption, performance monitoring, governance, and controls, including practices consistent with a Continuous Monitoring orientation. + Familiarity with market and industry research methods and the ability to integrate external signals into portfolio risk perspectives and emerging risk identification. + Experience building and operating executive dashboards and standardized reporting suites, including definition management (taxonomy), data lineage clarity, and consistent metric governance. JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/VeteransPlano, TX210756156TexasTXNone6804A3CD57BB45759A1BE0EF4945DAE9https://xerox.jobs/6804A3CD57BB45759A1BE0EF4945DAE923ChicagoBMO Financial GroupUnited StatesUSA2026-06-03 03:45:31**About Us** : Join our dynamic team in Integrated Risk Insights within Risk Appetite & Portfolio Management, Enterprise Risk, where we assess and manage financial risks for the total Enterprise. We optimize the capital allocation to improve risk-adjusted returns, monitor the portfolio's financial risks and develop new risk metrics. The Team interacts with a variety of stakeholders across the firm and is focused on improving the integration of risk insights across Enterprise Risk groups including risk appetite, stress testing, and strategy, among others. **Key Responsibilities** : + Applies mathematical and statistical methods to financial and risk management problems such as calibrating internal limits, optimize capital allocation or identify and monitor key risk indicators. + Develops and implements frameworks that improve the integration of risk insights across Enterprise Risk Management. + Conducts research and creates tools to help the bank make better financial decisions, drive innovation and minimize the impact of uncertainty. + Monitors risk in portfolios as well as strategies across all risk types and business segments + Applies knowledge of risk assessment and controls along with extensive understanding of industry compliance standards and regulations. + Identifies ways of mitigating potential risks; recommends and implements solutions based on analysis of issues and implications for the business. + Provides specialized consulting, analytical and technical support. + Works independently and regularly handles non-routine situations. **Qualifications:** + 2 - 4 years of experience in a quantitative role in risk or capital management, along with a post-secondary degree in a quantitative field of study, or an equivalent combination of education and experience. + Knowledge of regulatory capital, stress testing or risk model development. + Experience with data preparation, data analysis, and statistical tool sets such as SQL, SAS, Excel VBA, Python. + Exhibit strong logical thinking, analytical, and problem-solving skills. + Ability to synthesize complex matters into simple and actionable insights and communicate with clear and concise language. + Curiosity and willingness to learn. **Why Join Us:** + Opportunity to work in a collaborative and innovative environment with a wholistic view of the Bank’s portfolios and risks. + Opportunity to build a network across many areas of the bank. **Salary:** $88,800.00 - $165,600.00 **Pay Type:** Salaried The above represents BMO Financial Group’s pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position. BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards **About Us** At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset. To find out more visit us at https://jobs.bmo.com/us/en BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law. BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information. Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.Chicago, ILR260016731IllinoisILNoneDBD06210758F4CC3A2CD78FED3E2CD67https://xerox.jobs/DBD06210758F4CC3A2CD78FED3E2CD6723IrvingCitigroupUnited StatesUSA2026-05-29 05:56:40The Portfolio Credit Risk Management 2nd LOD Sr. Analyst is a role within the Second Line of Defense (2nd LOD) risk organization. The role applies in-depth specialty knowledge in monitoring, assessing, analyzing, and evaluating credit risk across portfolios — with a specific focus on Wealth Wholesale Structured Products. This role integrates established disciplinary knowledge within credit risk management. The Sr. Analyst demonstrates good judgment in navigating risk scenarios, interacts cross-functionally with business partners, and contributes meaningfully to the overall risk governance framework. **Responsibilities** + Support the preparation of portfolio discussions and monitoring activities for Wealth Wholesale Structured Products, including the development of materials for risk forum meetings, senior management reviews, and periodic portfolio monitoring. + Monitor and assess credit risk trends, concentrations, and emerging risks within the Wealth Wholesale Structured Products portfolio, providing timely and actionable insights to senior risk officers and business stakeholders. + Support the maintenance of credit risk monitoring frameworks, including supplemental monitoring metrics. + Interpret financial data, credit metrics, and portfolio analytics to support risk identification, assessment, and escalation processes. + Collect, organize, and maintain Manager's Control Assessment (MCA) evidence, ensuring documentation is complete, accurate, and aligned with internal control standards and regulatory expectations. + Assist in the execution of MCA testing activities, tracking control gaps, remediation actions, and evidence submissions in a timely and structured manner. + Maintain and keep up to date the team's project tracker, a project management tool shared with senior management that consolidates all ongoing projects and recurrent activities, including target dates, milestones, and status updates; ensure the tracker accurately reflects current progress and is a reliable reference for prioritization and senior management visibility. + Collaborate with Credit Officers, Product Managers, Risk Managers, and other stakeholders to ensure alignment on credit risk standards and portfolio management objectives. **Qualifications** + 3–5 years of experience in credit risk management, portfolio risk analysis, financial analysis, or a related discipline within a financial institution; prior exposure to a risk oversight or control function is a plus. + Familiarity with Wealth Management or Wholesale Structured Products is an advantage, though candidates with broader credit risk or financial products experience will be considered. + Exposure to Manager's Control Assessment (MCA) processes, internal control documentation, or compliance/audit evidence collection is preferred; willingness to learn and develop expertise in this area is equally valued. + Experience maintaining project trackers, task logs, or similar organizational tools (e.g., Excel, SharePoint, or equivalent platforms); demonstrated ability to manage multiple workstreams, deadlines, and priorities simultaneously. + Foundational understanding of credit risk principles, financial analysis, and portfolio monitoring concepts; knowledge credit risk frameworks is a plus. + Ability to interpret financial data, credit metrics, and portfolio analytics to support risk identification and reporting. + Strong organizational skills and attention to detail, with the ability to maintain accurate and up-to-date documentation and reporting tools. + Clear and effective written and verbal communication skills. + Self-starter with the ability to work independently, take ownership of assigned tasks, and proactively flag issues or delays. **Education** + Bachelor's/University degree in Finance, Accounting, Economics, or a related field required. + Master's degree or professional certification is a plus. **Relevant Skills** Analytical Thinking, Constructive Debate, Credit Portfolio Management, Escalation Management, Financial Analysis, Independent Risk Oversight, Manager's Control Assessment (MCA), Policy and Procedure, Policy and Regulation, Project Management, Risk Controls and Monitors, Risk Identification and Assessment, Stress Testing, Structured Products Knowledge. ------------------------------------------------------ **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:** $96,400.00 - $144,600.00 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, Monitoring and Evaluation, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment, Risk Remediation. ------------------------------------------------------ **Other Relevant Skills** For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ **Anticipated Posting Close Date:** Jun 04, 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 (https://www.citigroup.com/citi/accessibility/application-accessibility.htm) ._ _View Citi’s EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy) and the Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf) poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.Irving, TX26966616TexasTXNoneCD1B7A4F5E394D5F9FECB5932DCDB692https://xerox.jobs/CD1B7A4F5E394D5F9FECB5932DCDB69223WilmingtonJPMorgan ChaseUnited StatesUSA2026-05-24 03:33:50Bring your Expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Credit Risk Portfolio Assurance Vice President in Risk Management team, you will perform research and analysis to provide credible challenge to credit risk decision frameworks and portfolio risk strategies. You use your credit risk and operations experience to identify key considerations across the account lifecycle and translate data into clear insights and recommendations. You partner with stakeholders to promote end-to-end solutions that mitigate risk while balancing revenue, expense, and customer impacts. You help us stay aligned to evolving regulatory and control expectations and drive effective risk outcomes. **Job responsibilities:** + Review and analyze portfolio data, including key risk indicators, to evaluate portfolio performance + Perform analyses that support risk assessments and provide credible challenge to risk decision frameworks and strategy criteria + Prepare executive presentations and clear narratives for risk leadership forums, committees, business reviews, and management meetings + Deliver persuasive, well-supported recommendations that drive decision-making and accountable follow-through + Monitor regulatory requirements, risk management policies, standards, procedures, and technology changes to validate ongoing control compliance **Required qualifications, capabilities, and skills:** + Bachelor's degree or equivalent experience + 7 years plus of experience in financial services in credit risk management, controls, audit, quality assurance, or compliance + Strong understanding of the account lifecycle, including underwriting, portfolio management, and collections + Detailed understanding of key performance metrics and profitability drivers across the account lifecycle + Functional knowledge of credit risk strategy, business development, product development, and project management + Understanding of cross-functional dependencies across first line of defense, product owners, and credit strategy to provide effective challenge aligned to risk appetite + Ability to articulate the impact of risks and issues on business outcomes + Excellent written and verbal communication skills with ability to influence senior stakeholders + Proficiency in Microsoft Office Suite, including Word, Excel, PowerPoint, and Visio + Ability to translate business problems into conceptual analytical and automation architecture + SAS or equivalent data mining expertise **Preferred qualifications, capabilities, and skills:** + Master's degree in a relevant field + Knowledge of small business lending or small business risk capabilities Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. Equal Opportunity Employer/Disability/VeteransWilmington, DE210747623DelawareDENoneFF9101E9B86A4B0691B0B535E0020A70https://xerox.jobs/FF9101E9B86A4B0691B0B535E0020A7023ChicagoBMO Financial GroupUnited StatesUSA2026-05-07 03:46:41The **Data Scientist / Portfolio Risk Manager** provides analysis, monitors the performance and develops portfolio credit recommendations on consumer loan portfolios to manage risk taking, improve profitability and ensure the bank’s lending activities adhering to Retail Credit policies and Risk Appetite target. This role leverages the use of statistical tools, quantitative modeling techniques and other business methodologies to mine data and support credit policy and strategy recommendations. The position is responsible for contributing to key risk management related business processes such as credit performance monitoring, retail risk policy/strategy development, credit loss reserving, loss forecasting and business planning. This role is also responsible for ADHOC analysis including due diligence for potential portfolio or retail lending business acquisitions. **Loss forecasting and performance monitoring (40%)** + Develop, enhance loss forecasting framework. Maintain efficient reporting process to communicate forecast and underlying drivers to senior management. Liaison with collections/ finance to facilitate accurate assessment and reporting of loss/allowance. + Conduct portfolio analyses, including monitoring and reporting credit performances of specific consumer loan portfolios, exploring and discovering root causes of changing credit profile and credit performances, identifying performance drivers and providing senior management with actionable recommendations. **Portfolio Risk management/Data Analysis (20%)** + Supporting growth and solve real business problems by applying customized business analysis or a variety of predicative modeling techniques, portfolio segmentation, champion/challenger methodologies to analyze business results and refine strategies and influence portfolio credit performance and profitability. + Combine retail lending product expertise, lending process understanding and analytical expertise in lending policy and strategy enhancement. Support portfolio / business acquisition and due-diligence exercises in Retail Lending space; Promote collaboration within Risk team and across functions to provide end-to-end analysis that connects risk taking and profitability. + Explore, adopt and champion AI and machine learning to advance risk team’s analytical capability **Credit Policy/Process/Strategy Analysis (20%)** + Maintain current understanding of applicable regulatory requirements for consumer loans and ensure policies and procedures are fully compliant. + Present results of portfolio monitoring and analysis and provide recommendations for policy, process or strategy changes to more effectively manage risk, increase efficiency or improve bank profitability. + Review policies and procedures to ensure adherence to credit risk-related operating procedures and applicable P&C Canada, BMO and U.S. policies as well as alignment with the business strategy and risk appetite. **Governance (20%)** + Provide clear, concise executive summaries on portfolio performance or risk concerns for discussion with key stakeholders at the appropriate governance forums to define the issue/risk, assess the potential implications to the bank and provide any recommended actions to remediate the risk. + Provide supports to Internal/External audit efforts **Authorities:** + Information Access – Authorities to access information, records, facilities, systems, and personnel of the enterprise, including authorities to access and use confidential customer and financial information. + Empowerment – Authority to interact with the LoB, providing analysis, consultation, issue identification and recommendations. **Scope and Impact:** This position contributes to financial reporting and loan portfolio risk outlook /performance, reported internally as well as externally. This position has direct impact on the achievement of business objectives as they relate to managing risk and delivering against profitability targets associated with the loan portfolio. **Qualifications:** + Typically, between 5 - 7 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience. + Prior experience in credit risk processes, and loss forecasting is highly preferred. + Proven ability to glean insights from data and support data driven decision making. + Highly proficient in data analysis , including time series analysis, risk segmentation, vintage/cohort performance tracking. + Highly proficient in SAS and Excel ( Mandatory). Knowledge of software like Python, SQL, Power BI a plus. + In depth knowledge of loan life cycle and loss mitigation process. + In-depth knowledge of risk management metrics, KPIs and KRIs. + In-depth knowledge of reporting & analytics concepts and applications. + In-depth knowledge of risk systems technology. + Excellent analytical and problem-solving skills. + Excellent Verbal & written communication skills. **Salary:** $74,000.00 - $138,000.00 **Pay Type:** Salaried The above represents BMO Financial Group’s pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position. BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards **About Us** At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset. To find out more visit us at https://jobs.bmo.com/us/en BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law. BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information. Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.Chicago, ILR260013767IllinoisILNone1F61D7AA1149490E9B9B0366A291F53Dhttps://xerox.jobs/1F61D7AA1149490E9B9B0366A291F53D23LondonAmazonUnited KingdomGBR2026-04-22 04:09:51Description Do you like helping small businesses grow? Do you enjoy working across organizations and scaling programs? Come join us as we scale to be the most trusted B2B financial service solution provider across Amazon! The B2B Payments team provides invoicing, working capital and payment acceptance solutions to Amazon Business customers, sellers and other small business customers across Amazon. We are part of the global Consumer Payments organization, who aims to delight our customers by building payment experiences and financial services that are trusted, valued and easy to use from anywhere in any way. The B2B Payments Credit Strategy team is looking for a Sr. Risk Manager to oversee credit performance for the UK & EU Lending portfolios. The successful candidate will be a thought leader who can help build and scale a best-in-class credit program. This candidate will be responsible for managing the end-to-end risk strategy to drive growth and solve business challenges to support customer capital needs while staying within risk tolerances. In this role, the candidate will work with Science, Product, and Tech teams to drive credit policy changes and evolve automated decisioning and credit monitoring systems. The ideal candidate should possess strong program management skills, be highly analytical, resourceful, customer focused and team oriented, with strong communication skills and the ability to build strong relationships with key stakeholders. This is an individual contributor role and reports into Head of EU Credit Strategy. Key job responsibilities The primary responsibilities of this role includes, but are not limited to: - Managing end-to-end credit strategy across the customer lifecycle - Partner with Science and Product Managers to design new product features, define model rule sets, and evolve automated credit decisioning - Bring fresh thinking, constantly improve, and be a thought leader for a credit strategy and risk management - Identify, monitor and communicate on the right performance metrics to Sr. Leadership, while owning business goals - Identify innovation opportunities and drive experiments that provide customers with a great payment experience - Own relationships with multiple stakeholder teams Basic Qualifications - Bachelor's degree - Experience in advanced SQL & ability to write complex queries from scratch - Experience engaging and influencing senior leaders, demonstrating a strong familiarity with navigating layered decision making processes - Experience that demonstrates strong analytical skills, strong written and verbal communication skills, attention to detail, and independent decision making Preferred Qualifications - Master's degree - Experience in internal audit and risk management or equivalent Amazon is an equal opportunities employer. We believe passionately that employing a diverse workforce is central to our success. We make recruiting decisions based on your experience and skills. We value your passion to discover, invent, simplify and build. Protecting your privacy and the security of your data is a longstanding top priority for Amazon. Please consult our Privacy Notice ( https://www.amazon.jobs/en/privacy\_page ) to know more about how we collect, use and transfer the personal data of our candidates. Amazon is an equal opportunity employer and does not discriminate on the basis of protected veteran status, disability, or other legally protected status. Our inclusive culture empowers Amazonians to deliver the best results for our customers. If you have a disability and need a workplace accommodation or adjustment during the application and hiring process, including support for the interview or onboarding process, please visit https://amazon.jobs/content/en/how-we-hire/accommodations for more information. If the country/region you’re applying in isn’t listed, please contact your Recruiting Partner.London, GBR3173047NoneEBFEB74F3B01431EB8187994E8D1241Ahttps://xerox.jobs/EBFEB74F3B01431EB8187994E8D1241A23GreensboroTruistUnited StatesUSA2026-04-21 04:29:18**The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.** Need Help? (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/Career\_site\_FAQ-1758133253710.pdf) _If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to_ Accessibility (careers@truist.com?subject=Accommodation%20request) _(accommodation requests only; other inquiries won't receive a response)._ **Regular or Temporary:** Regular **Language Fluency:** English (Required) **Work Shift:** 1st shift (United States of America) **Please review the following job description:** Ensure the efficient and balanced risk management of the credit adjudication, credit policy, portfolio management, loss forecast, and overall credit processes for the assigned Consumer Credit horizontal domain or business unit within the Consumer Credit and Policy Management team. Assist Manager in providing portfolio/segment oversight and evaluate controls, while providing value-added credit insight and actionable recommendations to production leaders, fulfillment and underwriting leaders, servicing management teams, default/loss mitigation teams and other consumer lending personnel. Oversee the risk management and administration for the specific portfolio segment or processes (as determined by Manager). Span of control based on domain area assigned ranging from an individual contributor with indirect leadership responsibilities or direct management responsibilities for assigned team. Credit exposures in scope include Direct to Consumer, Retail Small Business, BankCard, Mortgage, Consumer Wealth Management, National Consumer Finance & Payments, Auto (prime and sub-prime lending) Marine and Recreational Vehicle Lending totaling more than $130 Billion in outstandings on balance sheet and $220 Billion in mortgages serviced for others. **LOCATION:** **** Truist in-office requirement is 5 days per week**** **_Please note:_** **candidate must be located in one of the following locations. No remote or telecommute option** + **Winston-Salem, NC** + **Atlanta, GA** + **Richmond, VA** + **Greensboro, NC** + **Charlotte, NC** ****Open to other Truist hub locations**** **ESSENTIAL DUTIES AND RESPONSIBILITIES** Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. 1. Provide demonstrated credit risk management direction and leadership to assigned portfolio segments in order to achieve planned objectives and identify segment or regional risks and trends. Perform "forensic" credit analysis to identify outliers or early-stage issues with particular products, regions, and fulfillment centers. Tactically "attack" potential problems. This includes evaluating and monitoring consumer concentration risk and exceptions portfolio targets. Provide independent credit decision adjudication of large, complex, or exception based transactions within the assigned portfolio segment and delegated lending authority. Perform portfolio segment analysis and review of potential targets or acquisitions, as required. Work closely with Business Unit (BU) leaders, Consumer Senior Credit and Policy Officer, and Manager to discuss these risks and trends and help develop corrective action plans. 2. Review components of a consumer BU credit risk management processes within origination and servicing. Identify potential areas for improvement to credit risk management. Consider correlated risk issues that may contribute to credit risk. Consider credit risk practices and techniques utilized by other Bank lending groups, industry peers, and vendor best practices. Act as the catalyst for credit risk improvement. 3. Ensure sound and efficient risk management techniques are implemented and maintained in key portfolio risk functions e.g. portfolio administration, risk mitigation/fraud and default management. Consider credit risk practices and techniques utilized by other Bank lending groups, industry peers and vendor best practices. 4. Provide expertise/membership/leadership in various key credit functions/committees (Asset Quality meetings, Business Unit Risk Committees, Consumer Credit Working Group, Truist Risk Appetite framework). 5. Communicate expectations relating to quality, profitability, and growth of the portfolio segment including participation in the approval and monitoring of pricing strategies as directed. Help to instill the Truist credit culture. Raise the awareness of key risk management issues to teammates, management; monitor, evaluate and influence regional execution. Serve as an educational resource for credit training. 6. In conjunction with the BU and Consumer Credit Risk and Policy Management, ensure that new or revised product offerings, product delivery, and refinements are consistent with Bank's prescribed risk appetite. Provide analytical and intuitive feedback as to product guidelines and parameters based on performance study and industry data. 7. Oversee the credit review process in the BUs; monitor a limited targeted sample of loan approvals as necessary via loan underwriting and review forums. 8. Monitor lender, dealer, correspondent, or underwriter scorecards that are used to monitor loan quality and certain performance indicators for each lender. 9. Monitor problem assets of assigned segments (delinquent loans, non-performing assets and charge-offs) to limit credit losses through regular communication with loss mitigation teams and Default Management. 10. Perform process and policy review related to key origination, servicing, and default/loss mitigation activities of the consumer portfolios. Write, review, and recommend for approval loan origination, servicing, and credit-related policies prior to submission to Manager and Consumer Senior Credit and Policy Officer, and ultimately Credit Risk Program Committee. Monitor peer and industry developments related to retail lending, compliance, analytics and technology, and make recommendations for enhancements to credit policies, procedures, and partner with the BU in the development and implementation of new and revised credit policies and procedures; direct their review and approval by the appropriate committees. 11. Interact with outside bank examiners, internal and external auditors and other external parties to provide necessary information regarding Bank's retail lending portfolio/segments. **QUALIFICATIONS** **Required Qualifications:** The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 1. Bachelor's degree in Business; MBA preferred, or equivalent education and related training. 2. 12 years of credit related experience including complex lending structures, documentation skills, modeling skills and problem loan experience 3. 10 plus years of related experience, including consumer, small business, credit card, mortgage and wealth 4. Consumer risk and regulatory knowledge 5. Superior ability to think strategically, multi-task, and drive change 6. Strong quantitative, governance and analytic abilities 7. Strong decision making capability 8. Strong leadership, partnership and management skills 9. Demonstrated excellent problem solving 10. Strong verbal and written communication skills. **Preferred Qualifications:** 1. 15 plus years credit related experience 2. Master's degree in business administration, finance or accounting 3. Graduate of industry banking school(s) 4. RMA-Credit Risk Certified 5. Member or in a leadership position with an industry professional association. **General Description of Available Benefits for Eligible Employees of Truist Financial Corporation:** All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site (https://benefits.truist.com/) . Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work. **_Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace._** EEO is the Law (https://www.eeoc.gov/sites/default/files/2022-10/EEOC\_KnowYourRights\_screen\_reader\_10\_20.pdf) E-Verify (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/E-Verify\_Participation\_Poster-1757074518541.pdf) IER Right to Work (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/IER\_RightToWorkPoster-1757074222028.pdf)Greensboro, NCR0113554North CarolinaNCNoneA1C0485C337A44C5A04601A19C59E3A5https://xerox.jobs/A1C0485C337A44C5A04601A19C59E3A523AtlantaTruistUnited StatesUSA2026-04-21 04:29:18**The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.** Need Help? (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/Career\_site\_FAQ-1758133253710.pdf) _If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to_ Accessibility (careers@truist.com?subject=Accommodation%20request) _(accommodation requests only; other inquiries won't receive a response)._ **Regular or Temporary:** Regular **Language Fluency:** English (Required) **Work Shift:** 1st shift (United States of America) **Please review the following job description:** Ensure the efficient and balanced risk management of the credit adjudication, credit policy, portfolio management, loss forecast, and overall credit processes for the assigned Consumer Credit horizontal domain or business unit within the Consumer Credit and Policy Management team. Assist Manager in providing portfolio/segment oversight and evaluate controls, while providing value-added credit insight and actionable recommendations to production leaders, fulfillment and underwriting leaders, servicing management teams, default/loss mitigation teams and other consumer lending personnel. Oversee the risk management and administration for the specific portfolio segment or processes (as determined by Manager). Span of control based on domain area assigned ranging from an individual contributor with indirect leadership responsibilities or direct management responsibilities for assigned team. Credit exposures in scope include Direct to Consumer, Retail Small Business, BankCard, Mortgage, Consumer Wealth Management, National Consumer Finance & Payments, Auto (prime and sub-prime lending) Marine and Recreational Vehicle Lending totaling more than $130 Billion in outstandings on balance sheet and $220 Billion in mortgages serviced for others. **LOCATION:** **** Truist in-office requirement is 5 days per week**** **_Please note:_** **candidate must be located in one of the following locations. No remote or telecommute option** + **Winston-Salem, NC** + **Atlanta, GA** + **Richmond, VA** + **Greensboro, NC** + **Charlotte, NC** ****Open to other Truist hub locations**** **ESSENTIAL DUTIES AND RESPONSIBILITIES** Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. 1. Provide demonstrated credit risk management direction and leadership to assigned portfolio segments in order to achieve planned objectives and identify segment or regional risks and trends. Perform "forensic" credit analysis to identify outliers or early-stage issues with particular products, regions, and fulfillment centers. Tactically "attack" potential problems. This includes evaluating and monitoring consumer concentration risk and exceptions portfolio targets. Provide independent credit decision adjudication of large, complex, or exception based transactions within the assigned portfolio segment and delegated lending authority. Perform portfolio segment analysis and review of potential targets or acquisitions, as required. Work closely with Business Unit (BU) leaders, Consumer Senior Credit and Policy Officer, and Manager to discuss these risks and trends and help develop corrective action plans. 2. Review components of a consumer BU credit risk management processes within origination and servicing. Identify potential areas for improvement to credit risk management. Consider correlated risk issues that may contribute to credit risk. Consider credit risk practices and techniques utilized by other Bank lending groups, industry peers, and vendor best practices. Act as the catalyst for credit risk improvement. 3. Ensure sound and efficient risk management techniques are implemented and maintained in key portfolio risk functions e.g. portfolio administration, risk mitigation/fraud and default management. Consider credit risk practices and techniques utilized by other Bank lending groups, industry peers and vendor best practices. 4. Provide expertise/membership/leadership in various key credit functions/committees (Asset Quality meetings, Business Unit Risk Committees, Consumer Credit Working Group, Truist Risk Appetite framework). 5. Communicate expectations relating to quality, profitability, and growth of the portfolio segment including participation in the approval and monitoring of pricing strategies as directed. Help to instill the Truist credit culture. Raise the awareness of key risk management issues to teammates, management; monitor, evaluate and influence regional execution. Serve as an educational resource for credit training. 6. In conjunction with the BU and Consumer Credit Risk and Policy Management, ensure that new or revised product offerings, product delivery, and refinements are consistent with Bank's prescribed risk appetite. Provide analytical and intuitive feedback as to product guidelines and parameters based on performance study and industry data. 7. Oversee the credit review process in the BUs; monitor a limited targeted sample of loan approvals as necessary via loan underwriting and review forums. 8. Monitor lender, dealer, correspondent, or underwriter scorecards that are used to monitor loan quality and certain performance indicators for each lender. 9. Monitor problem assets of assigned segments (delinquent loans, non-performing assets and charge-offs) to limit credit losses through regular communication with loss mitigation teams and Default Management. 10. Perform process and policy review related to key origination, servicing, and default/loss mitigation activities of the consumer portfolios. Write, review, and recommend for approval loan origination, servicing, and credit-related policies prior to submission to Manager and Consumer Senior Credit and Policy Officer, and ultimately Credit Risk Program Committee. Monitor peer and industry developments related to retail lending, compliance, analytics and technology, and make recommendations for enhancements to credit policies, procedures, and partner with the BU in the development and implementation of new and revised credit policies and procedures; direct their review and approval by the appropriate committees. 11. Interact with outside bank examiners, internal and external auditors and other external parties to provide necessary information regarding Bank's retail lending portfolio/segments. **QUALIFICATIONS** **Required Qualifications:** The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 1. Bachelor's degree in Business; MBA preferred, or equivalent education and related training. 2. 12 years of credit related experience including complex lending structures, documentation skills, modeling skills and problem loan experience 3. 10 plus years of related experience, including consumer, small business, credit card, mortgage and wealth 4. Consumer risk and regulatory knowledge 5. Superior ability to think strategically, multi-task, and drive change 6. Strong quantitative, governance and analytic abilities 7. Strong decision making capability 8. Strong leadership, partnership and management skills 9. Demonstrated excellent problem solving 10. Strong verbal and written communication skills. **Preferred Qualifications:** 1. 15 plus years credit related experience 2. Master's degree in business administration, finance or accounting 3. Graduate of industry banking school(s) 4. RMA-Credit Risk Certified 5. Member or in a leadership position with an industry professional association. **General Description of Available Benefits for Eligible Employees of Truist Financial Corporation:** All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site (https://benefits.truist.com/) . Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work. **_Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace._** EEO is the Law (https://www.eeoc.gov/sites/default/files/2022-10/EEOC\_KnowYourRights\_screen\_reader\_10\_20.pdf) E-Verify (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/E-Verify\_Participation\_Poster-1757074518541.pdf) IER Right to Work (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/IER\_RightToWorkPoster-1757074222028.pdf)Atlanta, GAR0113554GeorgiaGANoneBCF1C02BE57449F8B1B90E36975C67EBhttps://xerox.jobs/BCF1C02BE57449F8B1B90E36975C67EB23CharlotteTruistUnited StatesUSA2026-04-21 04:29:18**The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.** Need Help? (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/Career\_site\_FAQ-1758133253710.pdf) _If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to_ Accessibility (careers@truist.com?subject=Accommodation%20request) _(accommodation requests only; other inquiries won't receive a response)._ **Regular or Temporary:** Regular **Language Fluency:** English (Required) **Work Shift:** 1st shift (United States of America) **Please review the following job description:** Ensure the efficient and balanced risk management of the credit adjudication, credit policy, portfolio management, loss forecast, and overall credit processes for the assigned Consumer Credit horizontal domain or business unit within the Consumer Credit and Policy Management team. Assist Manager in providing portfolio/segment oversight and evaluate controls, while providing value-added credit insight and actionable recommendations to production leaders, fulfillment and underwriting leaders, servicing management teams, default/loss mitigation teams and other consumer lending personnel. Oversee the risk management and administration for the specific portfolio segment or processes (as determined by Manager). Span of control based on domain area assigned ranging from an individual contributor with indirect leadership responsibilities or direct management responsibilities for assigned team. Credit exposures in scope include Direct to Consumer, Retail Small Business, BankCard, Mortgage, Consumer Wealth Management, National Consumer Finance & Payments, Auto (prime and sub-prime lending) Marine and Recreational Vehicle Lending totaling more than $130 Billion in outstandings on balance sheet and $220 Billion in mortgages serviced for others. **LOCATION:** **** Truist in-office requirement is 5 days per week**** **_Please note:_** **candidate must be located in one of the following locations. No remote or telecommute option** + **Winston-Salem, NC** + **Atlanta, GA** + **Richmond, VA** + **Greensboro, NC** + **Charlotte, NC** ****Open to other Truist hub locations**** **ESSENTIAL DUTIES AND RESPONSIBILITIES** Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. 1. Provide demonstrated credit risk management direction and leadership to assigned portfolio segments in order to achieve planned objectives and identify segment or regional risks and trends. Perform "forensic" credit analysis to identify outliers or early-stage issues with particular products, regions, and fulfillment centers. Tactically "attack" potential problems. This includes evaluating and monitoring consumer concentration risk and exceptions portfolio targets. Provide independent credit decision adjudication of large, complex, or exception based transactions within the assigned portfolio segment and delegated lending authority. Perform portfolio segment analysis and review of potential targets or acquisitions, as required. Work closely with Business Unit (BU) leaders, Consumer Senior Credit and Policy Officer, and Manager to discuss these risks and trends and help develop corrective action plans. 2. Review components of a consumer BU credit risk management processes within origination and servicing. Identify potential areas for improvement to credit risk management. Consider correlated risk issues that may contribute to credit risk. Consider credit risk practices and techniques utilized by other Bank lending groups, industry peers, and vendor best practices. Act as the catalyst for credit risk improvement. 3. Ensure sound and efficient risk management techniques are implemented and maintained in key portfolio risk functions e.g. portfolio administration, risk mitigation/fraud and default management. Consider credit risk practices and techniques utilized by other Bank lending groups, industry peers and vendor best practices. 4. Provide expertise/membership/leadership in various key credit functions/committees (Asset Quality meetings, Business Unit Risk Committees, Consumer Credit Working Group, Truist Risk Appetite framework). 5. Communicate expectations relating to quality, profitability, and growth of the portfolio segment including participation in the approval and monitoring of pricing strategies as directed. Help to instill the Truist credit culture. Raise the awareness of key risk management issues to teammates, management; monitor, evaluate and influence regional execution. Serve as an educational resource for credit training. 6. In conjunction with the BU and Consumer Credit Risk and Policy Management, ensure that new or revised product offerings, product delivery, and refinements are consistent with Bank's prescribed risk appetite. Provide analytical and intuitive feedback as to product guidelines and parameters based on performance study and industry data. 7. Oversee the credit review process in the BUs; monitor a limited targeted sample of loan approvals as necessary via loan underwriting and review forums. 8. Monitor lender, dealer, correspondent, or underwriter scorecards that are used to monitor loan quality and certain performance indicators for each lender. 9. Monitor problem assets of assigned segments (delinquent loans, non-performing assets and charge-offs) to limit credit losses through regular communication with loss mitigation teams and Default Management. 10. Perform process and policy review related to key origination, servicing, and default/loss mitigation activities of the consumer portfolios. Write, review, and recommend for approval loan origination, servicing, and credit-related policies prior to submission to Manager and Consumer Senior Credit and Policy Officer, and ultimately Credit Risk Program Committee. Monitor peer and industry developments related to retail lending, compliance, analytics and technology, and make recommendations for enhancements to credit policies, procedures, and partner with the BU in the development and implementation of new and revised credit policies and procedures; direct their review and approval by the appropriate committees. 11. Interact with outside bank examiners, internal and external auditors and other external parties to provide necessary information regarding Bank's retail lending portfolio/segments. **QUALIFICATIONS** **Required Qualifications:** The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 1. Bachelor's degree in Business; MBA preferred, or equivalent education and related training. 2. 12 years of credit related experience including complex lending structures, documentation skills, modeling skills and problem loan experience 3. 10 plus years of related experience, including consumer, small business, credit card, mortgage and wealth 4. Consumer risk and regulatory knowledge 5. Superior ability to think strategically, multi-task, and drive change 6. Strong quantitative, governance and analytic abilities 7. Strong decision making capability 8. Strong leadership, partnership and management skills 9. Demonstrated excellent problem solving 10. Strong verbal and written communication skills. **Preferred Qualifications:** 1. 15 plus years credit related experience 2. Master's degree in business administration, finance or accounting 3. Graduate of industry banking school(s) 4. RMA-Credit Risk Certified 5. Member or in a leadership position with an industry professional association. **General Description of Available Benefits for Eligible Employees of Truist Financial Corporation:** All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site (https://benefits.truist.com/) . Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work. **_Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace._** EEO is the Law (https://www.eeoc.gov/sites/default/files/2022-10/EEOC\_KnowYourRights\_screen\_reader\_10\_20.pdf) E-Verify (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/E-Verify\_Participation\_Poster-1757074518541.pdf) IER Right to Work (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/IER\_RightToWorkPoster-1757074222028.pdf)Charlotte, NCR0113554North CarolinaNCNoneC31A77FC011B48A88234234DB27432FBhttps://xerox.jobs/C31A77FC011B48A88234234DB27432FB23RichmondTruistUnited StatesUSA2026-04-21 04:29:18**The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.** Need Help? (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/Career\_site\_FAQ-1758133253710.pdf) _If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to_ Accessibility (careers@truist.com?subject=Accommodation%20request) _(accommodation requests only; other inquiries won't receive a response)._ **Regular or Temporary:** Regular **Language Fluency:** English (Required) **Work Shift:** 1st shift (United States of America) **Please review the following job description:** Ensure the efficient and balanced risk management of the credit adjudication, credit policy, portfolio management, loss forecast, and overall credit processes for the assigned Consumer Credit horizontal domain or business unit within the Consumer Credit and Policy Management team. Assist Manager in providing portfolio/segment oversight and evaluate controls, while providing value-added credit insight and actionable recommendations to production leaders, fulfillment and underwriting leaders, servicing management teams, default/loss mitigation teams and other consumer lending personnel. Oversee the risk management and administration for the specific portfolio segment or processes (as determined by Manager). Span of control based on domain area assigned ranging from an individual contributor with indirect leadership responsibilities or direct management responsibilities for assigned team. Credit exposures in scope include Direct to Consumer, Retail Small Business, BankCard, Mortgage, Consumer Wealth Management, National Consumer Finance & Payments, Auto (prime and sub-prime lending) Marine and Recreational Vehicle Lending totaling more than $130 Billion in outstandings on balance sheet and $220 Billion in mortgages serviced for others. **LOCATION:** **** Truist in-office requirement is 5 days per week**** **_Please note:_** **candidate must be located in one of the following locations. No remote or telecommute option** + **Winston-Salem, NC** + **Atlanta, GA** + **Richmond, VA** + **Greensboro, NC** + **Charlotte, NC** ****Open to other Truist hub locations**** **ESSENTIAL DUTIES AND RESPONSIBILITIES** Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. 1. Provide demonstrated credit risk management direction and leadership to assigned portfolio segments in order to achieve planned objectives and identify segment or regional risks and trends. Perform "forensic" credit analysis to identify outliers or early-stage issues with particular products, regions, and fulfillment centers. Tactically "attack" potential problems. This includes evaluating and monitoring consumer concentration risk and exceptions portfolio targets. Provide independent credit decision adjudication of large, complex, or exception based transactions within the assigned portfolio segment and delegated lending authority. Perform portfolio segment analysis and review of potential targets or acquisitions, as required. Work closely with Business Unit (BU) leaders, Consumer Senior Credit and Policy Officer, and Manager to discuss these risks and trends and help develop corrective action plans. 2. Review components of a consumer BU credit risk management processes within origination and servicing. Identify potential areas for improvement to credit risk management. Consider correlated risk issues that may contribute to credit risk. Consider credit risk practices and techniques utilized by other Bank lending groups, industry peers, and vendor best practices. Act as the catalyst for credit risk improvement. 3. Ensure sound and efficient risk management techniques are implemented and maintained in key portfolio risk functions e.g. portfolio administration, risk mitigation/fraud and default management. Consider credit risk practices and techniques utilized by other Bank lending groups, industry peers and vendor best practices. 4. Provide expertise/membership/leadership in various key credit functions/committees (Asset Quality meetings, Business Unit Risk Committees, Consumer Credit Working Group, Truist Risk Appetite framework). 5. Communicate expectations relating to quality, profitability, and growth of the portfolio segment including participation in the approval and monitoring of pricing strategies as directed. Help to instill the Truist credit culture. Raise the awareness of key risk management issues to teammates, management; monitor, evaluate and influence regional execution. Serve as an educational resource for credit training. 6. In conjunction with the BU and Consumer Credit Risk and Policy Management, ensure that new or revised product offerings, product delivery, and refinements are consistent with Bank's prescribed risk appetite. Provide analytical and intuitive feedback as to product guidelines and parameters based on performance study and industry data. 7. Oversee the credit review process in the BUs; monitor a limited targeted sample of loan approvals as necessary via loan underwriting and review forums. 8. Monitor lender, dealer, correspondent, or underwriter scorecards that are used to monitor loan quality and certain performance indicators for each lender. 9. Monitor problem assets of assigned segments (delinquent loans, non-performing assets and charge-offs) to limit credit losses through regular communication with loss mitigation teams and Default Management. 10. Perform process and policy review related to key origination, servicing, and default/loss mitigation activities of the consumer portfolios. Write, review, and recommend for approval loan origination, servicing, and credit-related policies prior to submission to Manager and Consumer Senior Credit and Policy Officer, and ultimately Credit Risk Program Committee. Monitor peer and industry developments related to retail lending, compliance, analytics and technology, and make recommendations for enhancements to credit policies, procedures, and partner with the BU in the development and implementation of new and revised credit policies and procedures; direct their review and approval by the appropriate committees. 11. Interact with outside bank examiners, internal and external auditors and other external parties to provide necessary information regarding Bank's retail lending portfolio/segments. **QUALIFICATIONS** **Required Qualifications:** The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 1. Bachelor's degree in Business; MBA preferred, or equivalent education and related training. 2. 12 years of credit related experience including complex lending structures, documentation skills, modeling skills and problem loan experience 3. 10 plus years of related experience, including consumer, small business, credit card, mortgage and wealth 4. Consumer risk and regulatory knowledge 5. Superior ability to think strategically, multi-task, and drive change 6. Strong quantitative, governance and analytic abilities 7. Strong decision making capability 8. Strong leadership, partnership and management skills 9. Demonstrated excellent problem solving 10. Strong verbal and written communication skills. **Preferred Qualifications:** 1. 15 plus years credit related experience 2. Master's degree in business administration, finance or accounting 3. Graduate of industry banking school(s) 4. RMA-Credit Risk Certified 5. Member or in a leadership position with an industry professional association. **General Description of Available Benefits for Eligible Employees of Truist Financial Corporation:** All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site (https://benefits.truist.com/) . Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work. **_Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace._** EEO is the Law (https://www.eeoc.gov/sites/default/files/2022-10/EEOC\_KnowYourRights\_screen\_reader\_10\_20.pdf) E-Verify (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/E-Verify\_Participation\_Poster-1757074518541.pdf) IER Right to Work (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/IER\_RightToWorkPoster-1757074222028.pdf)Richmond, VAR0113554VirginiaVANoneDC09E8DD50054665A7627C2E0B21EC05https://xerox.jobs/DC09E8DD50054665A7627C2E0B21EC0523Winston SalemTruistUnited StatesUSA2026-04-21 04:29:16**The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.** Need Help? (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/Career\_site\_FAQ-1758133253710.pdf) _If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to_ Accessibility (careers@truist.com?subject=Accommodation%20request) _(accommodation requests only; other inquiries won't receive a response)._ **Regular or Temporary:** Regular **Language Fluency:** English (Required) **Work Shift:** 1st shift (United States of America) **Please review the following job description:** Ensure the efficient and balanced risk management of the credit adjudication, credit policy, portfolio management, loss forecast, and overall credit processes for the assigned Consumer Credit horizontal domain or business unit within the Consumer Credit and Policy Management team. Assist Manager in providing portfolio/segment oversight and evaluate controls, while providing value-added credit insight and actionable recommendations to production leaders, fulfillment and underwriting leaders, servicing management teams, default/loss mitigation teams and other consumer lending personnel. Oversee the risk management and administration for the specific portfolio segment or processes (as determined by Manager). Span of control based on domain area assigned ranging from an individual contributor with indirect leadership responsibilities or direct management responsibilities for assigned team. Credit exposures in scope include Direct to Consumer, Retail Small Business, BankCard, Mortgage, Consumer Wealth Management, National Consumer Finance & Payments, Auto (prime and sub-prime lending) Marine and Recreational Vehicle Lending totaling more than $130 Billion in outstandings on balance sheet and $220 Billion in mortgages serviced for others. **LOCATION:** **** Truist in-office requirement is 5 days per week**** **_Please note:_** **candidate must be located in one of the following locations. No remote or telecommute option** + **Winston-Salem, NC** + **Atlanta, GA** + **Richmond, VA** + **Greensboro, NC** + **Charlotte, NC** ****Open to other Truist hub locations**** **ESSENTIAL DUTIES AND RESPONSIBILITIES** Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. 1. Provide demonstrated credit risk management direction and leadership to assigned portfolio segments in order to achieve planned objectives and identify segment or regional risks and trends. Perform "forensic" credit analysis to identify outliers or early-stage issues with particular products, regions, and fulfillment centers. Tactically "attack" potential problems. This includes evaluating and monitoring consumer concentration risk and exceptions portfolio targets. Provide independent credit decision adjudication of large, complex, or exception based transactions within the assigned portfolio segment and delegated lending authority. Perform portfolio segment analysis and review of potential targets or acquisitions, as required. Work closely with Business Unit (BU) leaders, Consumer Senior Credit and Policy Officer, and Manager to discuss these risks and trends and help develop corrective action plans. 2. Review components of a consumer BU credit risk management processes within origination and servicing. Identify potential areas for improvement to credit risk management. Consider correlated risk issues that may contribute to credit risk. Consider credit risk practices and techniques utilized by other Bank lending groups, industry peers, and vendor best practices. Act as the catalyst for credit risk improvement. 3. Ensure sound and efficient risk management techniques are implemented and maintained in key portfolio risk functions e.g. portfolio administration, risk mitigation/fraud and default management. Consider credit risk practices and techniques utilized by other Bank lending groups, industry peers and vendor best practices. 4. Provide expertise/membership/leadership in various key credit functions/committees (Asset Quality meetings, Business Unit Risk Committees, Consumer Credit Working Group, Truist Risk Appetite framework). 5. Communicate expectations relating to quality, profitability, and growth of the portfolio segment including participation in the approval and monitoring of pricing strategies as directed. Help to instill the Truist credit culture. Raise the awareness of key risk management issues to teammates, management; monitor, evaluate and influence regional execution. Serve as an educational resource for credit training. 6. In conjunction with the BU and Consumer Credit Risk and Policy Management, ensure that new or revised product offerings, product delivery, and refinements are consistent with Bank's prescribed risk appetite. Provide analytical and intuitive feedback as to product guidelines and parameters based on performance study and industry data. 7. Oversee the credit review process in the BUs; monitor a limited targeted sample of loan approvals as necessary via loan underwriting and review forums. 8. Monitor lender, dealer, correspondent, or underwriter scorecards that are used to monitor loan quality and certain performance indicators for each lender. 9. Monitor problem assets of assigned segments (delinquent loans, non-performing assets and charge-offs) to limit credit losses through regular communication with loss mitigation teams and Default Management. 10. Perform process and policy review related to key origination, servicing, and default/loss mitigation activities of the consumer portfolios. Write, review, and recommend for approval loan origination, servicing, and credit-related policies prior to submission to Manager and Consumer Senior Credit and Policy Officer, and ultimately Credit Risk Program Committee. Monitor peer and industry developments related to retail lending, compliance, analytics and technology, and make recommendations for enhancements to credit policies, procedures, and partner with the BU in the development and implementation of new and revised credit policies and procedures; direct their review and approval by the appropriate committees. 11. Interact with outside bank examiners, internal and external auditors and other external parties to provide necessary information regarding Bank's retail lending portfolio/segments. **QUALIFICATIONS** **Required Qualifications:** The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 1. Bachelor's degree in Business; MBA preferred, or equivalent education and related training. 2. 12 years of credit related experience including complex lending structures, documentation skills, modeling skills and problem loan experience 3. 10 plus years of related experience, including consumer, small business, credit card, mortgage and wealth 4. Consumer risk and regulatory knowledge 5. Superior ability to think strategically, multi-task, and drive change 6. Strong quantitative, governance and analytic abilities 7. Strong decision making capability 8. Strong leadership, partnership and management skills 9. Demonstrated excellent problem solving 10. Strong verbal and written communication skills. **Preferred Qualifications:** 1. 15 plus years credit related experience 2. Master's degree in business administration, finance or accounting 3. Graduate of industry banking school(s) 4. RMA-Credit Risk Certified 5. Member or in a leadership position with an industry professional association. **General Description of Available Benefits for Eligible Employees of Truist Financial Corporation:** All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site (https://benefits.truist.com/) . Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work. **_Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace._** EEO is the Law (https://www.eeoc.gov/sites/default/files/2022-10/EEOC\_KnowYourRights\_screen\_reader\_10\_20.pdf) E-Verify (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/E-Verify\_Participation\_Poster-1757074518541.pdf) IER Right to Work (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/IER\_RightToWorkPoster-1757074222028.pdf)Winston Salem, NCR0113554North CarolinaNCNone4D351C07980E411BAED6209F0B76ACE9https://xerox.jobs/4D351C07980E411BAED6209F0B76ACE923SingaporeAONSingaporeSGP2026-04-14 22:46:59 Manager, Commercial Risk Analytics Business Portfolio Management Aon is in the business of better decisions At Aon, we shape decisions for the better to protect and enrich the lives of people around the world. As an organization, we are united through trust as one inclusive team and we are passionate about helping our colleagues and clients succeed. What the day will look like We are seeking a highly capable Manager, Commercial Risk Analytics Business Portfolio Management, to support the execution, governance, and commercial rigor of our global analytics agenda. + Maintain the operating rhythm and governance of Risk Analytics, including weekly, monthly, and quarterly cadences (e.g., leadership updates, QBR preparation cycles). + Maintain core program artefacts (e.g. roadmaps, utilization dashboards, decision logs) to ensure transparency and discipline + Track progress, risks, and dependencies, and proactively surface issues or trade-offs early to protect delivery and momentum + Act as the central coordination point and trusted business partner across product, analytics, technology, regional teams and corporate functions supporting global execution + Support preparation of QBRs, leadership packs, and programme reporting, consolidating inputs into clear, executive-ready outputs + Monitor agreed analytics success measures and delivery metrics, supporting visibility into program progress, performance and outcomes + Drive consistency in ways of working, templates, and delivery standards across the analytics organization + Identify execution bottlenecks and recommend pragmatic improvements to strengthen delivery effectiveness + Provide day-to-day operational support to Analytics Leaders, enabling focus on strategic leadership and stakeholder engagement + Support the annual planning and budgeting process for analytics initiatives in partnership with Finance, HR, VRO, and other corporate functions, including development of business cases, investment proposals and resource planning + Support senior analytics leadership on selected strategic initiatives that impact analytics strategy and execution, including preparation of decision-ready analyses, high-quality storyline driven decks / materials. Skills and experience that will lead to success + 6 to 8 years of experience in strategy, consulting, analytics operations, business planning roles, preferably with broking or analytics background. + Strong experience in structuring complex problems and translating ambiguity into clear plans and narratives + Advanced PowerPoint skills, with experience producing executive-ready materials + Ability to handle multiple workstreams across a global, matrixed organisation + Excellent verbal and written communication skills, European language other than English a plus + Strong interpersonal communication and public speaking skills, with the ability to engage effectively with various stakeholders at various levels of knowledge. + Excellent project management, organizational and time-management skills, with a capability to work flexibly across different time zones. + Motivated to contribute to shape the strategic direction of driving advanced analytical capabilities and execute in parallel, bringing a pronounced can-do attitude to every-day challenges. How we support our colleagues In addition to our comprehensive benefits package, we encourage an inclusive workforce. Plus, our agile environment allows you to manage your wellbeing and work/life balance, ensuring you can be your best self at Aon. Furthermore, all colleagues enjoy two “Global Wellbeing Days” each year, encouraging you to take time to focus on yourself. We offer a variety of working style solutions for our colleagues as well. Our continuous learning culture inspires and equips you to learn, share and grow, helping you achieve your fullest potential. As a result, at Aon, you are more connected, more relevant, and more valued. Aon values an innovative and inclusive workplace where all colleagues feel empowered to be their authentic selves. Aon is proud to be an equal opportunity workplace. Aon provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, creed, sex, sexual orientation, gender identity, national origin, age, disability, veteran, marital, domestic partner status, or other legally protected status. We are committed to providing equal employment opportunities and fostering an inclusive workplace. If you require accommodations during the application or interview process, please let us know. You can request accommodations by emailing us at ReasonableAccommodations@Aon.com or your recruiter. We will work with you to meet your needs and ensure a fair and equitable experience. #LI-HT1 2574927 Manager, Commercial Risk Analytics Business Portfolio Management Aon is in the business of better decisions At Aon, we shape decisions for the better to protect and enrich the lives of people around the world. As an organization, we are united through trust as one inclusive team and we are passionate about helping our colleagues and clients succeed. What the day will look like We are seeking a highly capable Manager, Commercial Risk Analytics Business Portfolio Management, to support the execution, governance, and commercial rigor of our global analytics agenda. + Maintain the operating rhythm and governance of Risk Analytics, including weekly, monthly, and quarterly cadences (e.g., leadership updates, QBR preparation cycles). + Maintain core program artefacts (e.g. roadmaps, utilization dashboards, decision logs) to ensure transparency and discipline + Track progress, risks, and dependencies, and proactively surface issues or trade-offs early to protect delivery and momentum + Act as the central coordination point and trusted business partner across product, analytics, technology, regional teams and corporate functions supporting global execution + Support preparation of QBRs, leadership packs, and programme reporting, consolidating inputs into clear, executive-ready outputs + Monitor agreed analytics success measures and delivery metrics, supporting visibility into program progress, performance and outcomes + Drive consistency in ways of working, templates, and delivery standards across the analytics organization + Identify execution bottlenecks and recommend pragmatic improvements to strengthen delivery effectiveness + Provide day-to-day operational support to Analytics Leaders, enabling focus on strategic leadership and stakeholder engagement + Support the annual planning and budgeting process for analytics initiatives in partnership with Finance, HR, VRO, and other corporate functions, including development of business cases, investment proposals and resource planning + Support senior analytics leadership on selected strategic initiatives that impact analytics strategy and execution, including preparation of decision-ready analyses, high-quality storyline driven decks / materials. Skills and experience that will lead to success + 6 to 8 years of experience in strategy, consulting, analytics operations, business planning roles, preferably with broking or analytics background. + Strong experience in structuring complex problems and translating ambiguity into clear plans and narratives + Advanced PowerPoint skills, with experience producing executive-ready materials + Ability to handle multiple workstreams across a global, matrixed organisation + Excellent verbal and written communication skills, European language other than English a plus + Strong interpersonal communication and public speaking skills, with the ability to engage effectively with various stakeholders at various levels of knowledge. + Excellent project management, organizational and time-management skills, with a capability to work flexibly across different time zones. + Motivated to contribute to shape the strategic direction of driving advanced analytical capabilities and execute in parallel, bringing a pronounced can-do attitude to every-day challenges. How we support our colleagues In addition to our comprehensive benefits package, we encourage an inclusive workforce. Plus, our agile environment allows you to manage your wellbeing and work/life balance, ensuring you can be your best self at Aon. Furthermore, all colleagues enjoy two “Global Wellbeing Days” each year, encouraging you to take time to focus on yourself. We offer a variety of working style solutions for our colleagues as well. Our continuous learning culture inspires and equips you to learn, share and grow, helping you achieve your fullest potential. As a result, at Aon, you are more connected, more relevant, and more valued. Aon values an innovative and inclusive workplace where all colleagues feel empowered to be their authentic selves. Aon is proud to be an equal opportunity workplace. Aon provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, creed, sex, sexual orientation, gender identity, national origin, age, disability, veteran, marital, domestic partner status, or other legally protected status. We are committed to providing equal employment opportunities and fostering an inclusive workplace. If you require accommodations during the application or interview process, please let us know. You can request accommodations by emailing us at ReasonableAccommodations@Aon.com or your recruiter. We will work with you to meet your needs and ensure a fair and equitable experience. #LI-HT1 Singapore, SGPNone8CDF1D1BD5E84D89850C166B131FFD78https://xerox.jobs/8CDF1D1BD5E84D89850C166B131FFD7823PlanoJPMorgan ChaseUnited StatesUSA2026-04-04 04:05:02Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Credit Officer in Portfolio Management, you should be proficient with commercial real estate finance concepts/principles and their application to various property types. You will complete reviews on properties and borrowers to derive appropriate risk ratings and evaluate expected future performance. **Job Responsibilities** + Complete annual reviews on properties and borrowers to derive at appropriate risk ratings. + Review annual property operating statements, rent rolls, and local market conditions to determine overall property performance and identify potential risk of default. + Document and support concluded risk ratings. + Interact with Borrowers, Credit Executives, and other parties to obtain applicable data to perform a complete analysis. + Present credits to senior management on a quarterly basis. **Required Qualifications, Capabilities, and Skills** + Bachelor's Degree or equivalent experience. + Minimum 5 years of working experience with commercial and multifamily loans. + Previous experience in portfolio management, loan risk grading/ risk assessment. + Strong organizational and time m anagement skills - ability to multitask, prioritize, and work with others in an integrated way to achieve individual objectives and team results. + Excellent written and verbal communication skills. + Proficiency in Microsoft desktop tools including Word, Excel, Power Point and able to quickly acclimate to proprietary systems. JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/VeteransPlano, TX210731718TexasTXNone1CFD010177764519847CC54D9439754Chttps://xerox.jobs/1CFD010177764519847CC54D9439754C23CharlotteU.S. BankUnited StatesUSA2026-03-21 03:21:50At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One. **Job Description** U.S. Bank is seeking a reliable Risk Management professional skilled in SAS/SQL/Python and strategy analysis to manage existing customer credit risks through credit line increase/decrease programs for the Small Business credit card Risk Strategy team. **_Position Highlights_** + Lead the line management function for the Small Business Credit Card portfolio. Analyze large amount of historical data to identify risk mitigation and growth opportunities through data-driven credit line increase and decrease programs. Develop tools, segmentations, and strategies to optimize financial impact of these programs. Forecast the strategy’s financial impact and track actual against forecast + Query large datasets using SAS, SQL Plus, or Python, performing segmentation and decision tree analysis. Identify patterns through large credit card financial data + Work with consumer and commercial bureaus to develop trigger strategies; identify data sources and tools that will assist with small business credit card line management efficiency + Work closely with other areas of the organization such as system implementation teams to support strategy implementation + Review accounts in the decisioning systems to validate accuracy of strategy execution and stability of key drivers + Monitor portfolio performance trends and loss patterns and identify strategy improvement opportunities in a timely manner + Work as a liaison between Compliance, Risk, Data Warehouse teams to keep data organized. Become a data expert for the Small Business team and build reports, data inventory, and analysis that help make data-driven decisions + Create and automate timely and accurate tracking and reports for senior management. Summarize findings from the reports to deliver clear messages about strategy improvement opportunities **_Basic Qualifications_** + Bachelor's degree or equivalent work experience + Five to Seven years of related experience **_Preferred Skills and Experience_** + Bachelor's degree with an emphasis in computer science, business, analytics, statistics, data science or equivalent work experience + Three plus years of relevant experience in credit card risk management functions + In-depth understanding of the Risk Management function in credit card risk management with a focus on line management + Strong analytical skills and ability to analyze models, tools, trends, and patterns + Expertise with Python, SAS, SAS EG or SQL plus to pull large amounts of data + Expertise with Power BI, Excel and PowerPoint + Expertise with Microsoft suites and productivity tools + Strong process facilitation, project management, analytical, and presentation skills + Experience working with small business credit card portfolio preferred **_Hybrid/flexible schedule_** The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days. If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) . **Benefits:** Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following: + Healthcare (medical, dental, vision) + Basic term and optional term life insurance + Short-term and long-term disability + Pregnancy disability and parental leave + 401(k) and employer-funded retirement plan + Paid vacation (from two to five weeks depending on salary grade and tenure) + Up to 11 paid holiday opportunities + Adoption assistance + Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law Review our full benefits available by employment status here (https://careers.usbank.com/global/en/benefits/us) . U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. **E-Verify** U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) . The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $98,175.00 - $115,500.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. **Posting may be closed earlier due to high volume of applicants.**Charlotte, NC2026-0006220North CarolinaNCNone022572246628428795147E184F764ACDhttps://xerox.jobs/022572246628428795147E184F764ACD23New YorkJPMorgan ChaseUnited StatesUSA2026-03-14 04:40:29As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Senior Associate on the Wholesale Commercial Real Estate (CRE) Portfolio Analytics team, you will be responsible for the research and evaluation of commercial real estate market trends and economic impacts on a >$200 billion CRE portfolio. Your role will involve conducting in-depth analyses of various CRE property types to provide valuable insights and data-driven recommendations that will enhance our understanding of credit risk within the wholesale sector. By leveraging your expertise, you will contribute to the development of robust analytical frameworks and methodologies that will support informed decision-making and strategic planning within the organization. Job Responsibilities: + Evaluate CRE data including portfolio concentrations, client and property financials, appraisal, macro-economic data, and real estate market trends and assess the impacts on loan performance and risk grading across all property types + Analyze CRE loan risk grading methodologies to identify opportunities for process optimization and more efficient decision-making, leveraging loan characteristics, key performance metrics, and industry/sector trends. Partner with technology/production partners for any use-case/solution deployment + Manage end to end portfolio analytics for Multifamily property type within the CRE business + Lead thematic and portfolio research initiatives focused on identifying and analyzing emerging risk trends. This involves synthesizing data and insights to understand how these trends impact industry dynamics and credit risk, thereby informing the development of proactive risk management strategies + Utilize strong Python and SQL skills to efficiently manage and manipulate large data sets. This includes performing backtesting and conducting detailed portfolio analytics to validate models and ensure the robustness of credit risk assessments. + (Optional) Apply Large Language Model (LLM) skills to synthesize information from multiple sources, generating systematic and comprehensive reports. This capability will enhance the ability to integrate diverse data points and insights into cohesive analyses that support strategic decision-making. + Develop/refine Risk and Strength Assessment (RSA) factors to create analytics-driven market and portfolio insights and indicators, enabling continuous monitoring frameworks for proactive risk identification + Partner with modeling teams for CRE grading model back-testing, ongoing performance monitoring + Work in close collaboration with senior stakeholders to maintain/monitor elevated risk segmentation, identify top risks, and provide specialized analysis and review as requested Required Qualifications, Skills, and Capabilities: + Bachelor's or Master's degree in Mathematics, Statistics, Finance, or related fields. + 3+ years of relevant work experience in Wholesale Credit Risk management (market analysis, economic research, trend analysis, forecasting, statistical analysis, etc.) + Excellent problem-solving, communication, and teamwork skills. + Strong proficiency in Excel and PowerPoint and the ability to develop proficiency in dashboard, mapping, and data visualization software (i.e. Tableau, QlikSense) + Relevant work experience in software, programming or coding such as Alteryx, Python or SQL. + Desire to use modern technologies as a disruptive influence within banking. + Attentive to detail and easily adaptable. + Enthusiastic about knowledge sharing and collaboration. + Strong interpersonal skills - you listen and communicate in a direct, succinct manner. + Proven ability to develop collaborative relationships with key internal partners to achieve objectives and prioritizations. Preferred Qualifications, Skills, and Capabilities: + Domain expertise in Multifamily property type within the CRE business, knowledge of key market specific characteristics including key performance indicators such as vacancy trends, rental income, Debt Service Coverage Ratio (DSCR), Loan to Value (LTV) etc. is a plus JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans **Base Pay/Salary** New York,NY $135,000.00 - $150,000.00 / yearNew York, NY210721342New YorkNYNone52D5A9D301924561B2EA2E56D01D7887https://xerox.jobs/52D5A9D301924561B2EA2E56D01D788723CitigroupIndiaIND2026-03-12 04:56:14The Credit Portfolio Officer is an senior-level position responsible for conducting credit reviews, credit approval and monitoring the mortgage 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 clients and counterparties globally. **Responsibilities:** + Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management + Develop recommendations to adjust credit policies by analyzing credit and financial performance and setting portfolio risk appetite + Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing + Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required + Participate in developing, testing, and optimizing credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives + Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management + 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. **Qualifications:** + 10-13 years of relevant experience + Knowledge of commercial risk analytics + Ability to apply credit and risk principles toward business goals + Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency + Proven ability to remain organized in a fast-paced environment, managing multiple projects + Proven interpersonal, organizational and analytic skills **Education:** + Bachelor's degree/University degree or equivalent experience **Shift** : Flexible to work in 1 PM to 10 PM ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Portfolio Credit Risk Management ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ **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** For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ _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 (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)_ _._ _View Citi’s_ _EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy)_ _and the_ _Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)_ _poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.Virtual, IND26945656None316C4D90F4C449DABB566444689B6006https://xerox.jobs/316C4D90F4C449DABB566444689B600623CitigroupIndiaIND2026-03-12 04:56:14The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the mortgage 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 clients and counterparties globally. **Responsibilities:** + Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management + Develop recommendations to adjust credit policies by analyzing credit and financial performance and setting portfolio risk appetite + Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing + Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required + Participate in developing, testing, and optimizing credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives + Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management + 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. **Qualifications:** + 4-7 years of relevant experience + Knowledge of commercial risk analytics + Ability to apply credit and risk principles toward business goals + Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency + Proven ability to remain organized in a fast-paced environment, managing multiple projects + Proven interpersonal, organizational and analytic skills **Education:** + Bachelor's degree/University degree or equivalent experience **Shift :** 1 PM to 10 PM ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Portfolio Credit Risk Management ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ **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** For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ _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 (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)_ _._ _View Citi’s_ _EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy)_ _and the_ _Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)_ _poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.Virtual, IND26946010None67BF9CA69182477C9CC2F64C707AD396https://xerox.jobs/67BF9CA69182477C9CC2F64C707AD39623WarsawCitigroupPolandPOL2025-11-04 02:44:48The Portfolio Management Group (PMG) is an independent risk management function within Citi's Banking and International Risk (BIR) division. Our group is responsible for establishing and monitoring wholesale risk ratings, credit limits, reserve forecasting, and stress testing. Within PMG, the Risk Rating team defines and oversees our wholesale risk rating methodologies and the underlying models. A key part of their role is to facilitate the review and challenge of the model lifecycle across the first and second lines of defense, ensuring alignment with our credit expertise and regulatory expectations. We are looking for an individual to support the Model Sponsor function within the PMG Risk Ratings team, acting as a Model Sponsor Delegate for a designated portfolio of risk rating models. In this position, you will serve as the primary operational point of contact between Model Sponsors, Model Developers, Model Risk Management (MRM), portfolio subject matter experts, and other stakeholders. You'll be involved throughout every phase of a model’s lifecycle—from initial identification and development, through validation, to ongoing monitoring and retirement. To succeed in this role, you'll need to develop a thorough understanding of Citi's MRM framework and the specific risk rating methodologies underpinning the BIR PMG model portfolio. The position requires a blend of credit risk expertise, analytical and statistical capabilities, and strong organizational and communication skills to effectively manage a variety of recurring and ad-hoc model governance obligations on behalf of the Model Sponsors. **What You'll Do- Key Responsibilities:** Model Sponsor Delegate Activities & MRM Lifecycle Support + Serve as the first-layer reviewer across all model lifecycle stages for the portfolio of Risk Rating models, including: + Review and summarize findings from Model Development Documentation (MDD), assess model performance outcomes, reasonableness of model assumptions and limitations reflected in the ongoing performance assessments and model change documentation + Support timely remediation of model limitations by conducting root cause analysis, engage in design and documentation of overlay methodologies along with their implementation + Ensure Model Sponsor adherence to the model control and governance frameworks, such as semi-annual model inventory reviews, new model identification attestations, managing policy dispensations as well as model decommissioning + Frame recommendations for Model Sponsor action and sign-off decisions, promptly responding to mandated model deadlines and preventing Policy breaches Analysis & Independent Review + Support centralized model governance analytics, including benchmarking and root cause analysis, formulating independent views on risk rating models performance + Conduct model and portfolio-level risk analysis on rating distributions, use of qualitative adjustments and its taxonomy, along with downstream impacts of rating changes on stress testing, reserves etc. + Review annual and multi-year model enhancement plans, providing assessments to aid Model Sponsors and Senior Management decisions Stakeholder Management & Communication + Closely partner with Model Sponsors, Model Developers, Model Risk Management and Model Users across 1st and 2nd lines of business in addressing the governance activities concerning Wholesale Risk Rating models and methodologies + Liaise with Model Developers and Product / Technology Development teams to ensure proper implementation of model methodology — including inputs, outputs, qualitative components, and model adjustments along with UAT activities + Collaborate with various internal stakeholders and regulators to address model related inquiries, reviews and audits **What We'll Need From You- Qualifications:** + 5+ years of experience in the financial industry, with predominant exposure to credit risk, model risk management, or wholesale banking functions. + Must have 3+ years of direct experience in model risk review and challenge, model development or sponsorship function, with hands-on involvement in wholesale internal risk rating or PD models, preferably within a regulated financial institution or rating agency. + Comprehensive understanding of quantitative and qualitative wholesale credit risk methodologies and regulatory requirements used in risk modeling. Familiarity with Citi's MRM framework or equivalent model risk governance frameworks (e.g., SR 26-2 / OCC 2026-04 guidance) is highly desirable. + Proficiency in Python, SQL, Tableau for data analysis, model performance testing, recurring and ad hoc analytics. + Proficient in Microsoft Office, particularly Excel (data analysis, metrics tracking), PowerPoint (governance presentations), and Word (technical documentation). + Good understanding of wholesale credit portfolios and products, including financial instruments, market dynamics, and credit risk drivers across industry sectors. + Demonstrated ability to manage multiple concurrent model governance obligations with competing deadlines, maintaining accuracy and completeness, along with project management skillset. + Strong oral and written communication skills, with a proven ability to synthesize complex model risk concepts and translate them into clear, user-friendly language for Senior Management and governance forums. + Ability to prepare high-quality governance documentation and presentations that meet internal standards and withstand regulatory scrutiny. + Strong interpersonal skills with a proven ability to build and maintain effective working relationships with cross-functional partners across risk analytics, technology, model development, and reporting. + Bachelor's/University degree required, Master's degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field preferred. CFA, FRM designation is a plus. By joining Citi Solutions Center Poland, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed) and enjoy a whole host of additional benefits such as: + Private Medical Care Program + Life Insurance Program + Pension Plan contribution (PPE Program) + Employee Assistance Program + Paid Parental Leave Program (maternity and paternity leave) + Sport Card + Holidays Allowance + Sport and team recreation activities + Special offers and discounts for employees + Access to an array of learning and development resources + A discretional annual performance related bonus + A chance to make a difference with various affinity networks and charity initiatives Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day. We want the best talent around the world to be energized to join us, motivated to stay, and empowered to thrive. Sounds like Citi has everything you need? Then apply to discover the true extent of your capabilities. \#LI-KS3 ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Portfolio Credit Risk Management ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ **Primary Location Full Time Salary Range:** zł223,400.00 - zł380,400.00 ------------------------------------------------------ **Most Relevant Skills** Analytical Thinking, Credible Challenge, Governance, Monitoring and Evaluation, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment, Risk Remediation. ------------------------------------------------------ **Other Relevant Skills** For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ **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. ------------------------------------------------------ _This job opening is for an existing job vacancy._ ------------------------------------------------------ _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 (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)_ _._ _View Citi’s_ _EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy)_ _and the_ _Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)_ _poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.Warsaw, POL25918352NoneB2C05715AB8440B5B64E6860B287D6C7https://xerox.jobs/B2C05715AB8440B5B64E6860B287D6C723KowloonCitigroupHong KongHKG2023-07-27 01:43:33The Credit Portfolio Senior Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval 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 clients and counterparties globally. **Responsibilities:** + Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management + Develop recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques + Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing + Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required + Participate in developing, testing, and optimizing credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives + Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management + 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. **Qualifications:** + 5-8 years of relevant experience + Knowledge of commercial risk analytics + Ability to apply credit and risk principles toward business goals + Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency + Proven ability to remain organized in a fast-paced environment, managing multiple projects + Proven interpersonal, organizational and analytic skills **Education:** + Bachelor's degree/University degree or equivalent experience ------------------------------------------------- **Job Family Group:** Risk Management ------------------------------------------------- **Job Family:** Credit & Portfolio Risk Management ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ Citi is an equal opportunity and affirmative action employer. Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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 (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)** . View the "EEO is the Law (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf) " poster. View the EEO is the Law Supplement (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/OFCCP\_EEO\_Supplement\_Final\_JRF\_QA\_508c.pdf) . View the EEO Policy Statement (http://citi.com/citi/diversity/assets/pdf/eeo\_aa\_policy.pdf) . View the Pay Transparency Posting (https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp\_%20English\_formattedESQA508c.pdf) Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.Kowloon, HKG23680193NoneF3C4140BC89F410EB659BECAEB1715B5https://xerox.jobs/F3C4140BC89F410EB659BECAEB1715B523