Senior Credit Risk Analyst

🏢 Summary: Senior Credit Analyst role focused on underwriting complex loan requests, managing loan portfolios, and supporting client growth through credit analysis and compliance oversight. The position involves coordinating the full credit lifecycle, collaborating with Relationship Bankers, and mentoring junior team members in a fast-paced banking environment. Offers competitive compensation, bonus potential, benefits, and professional development support. 🗂️ Requirements: Bachelor's degree in business, finance, or related field, 5–7 years of lending, underwriting, and/or credit experience, Advanced Excel proficiency, Experience with banking and credit software, Experience with CRM systems, Strong mathematical and analytical skills, Ability to work independently and collaboratively, Excellent written and verbal communication skills, Strong organizational and multitasking abilities, NMLS registration upon hire 📃 Skills: Excel, CRM, Microsoft, Banking, Underwriting, Credit, Finance, Lending, Analysis, NMLS 🏢 Description: AVP, Senior Credit Analyst Salary: $77,000 - $108,000/YR *Actual offer will be based on experience, location, education, and/or skills* Applications should be submitted for consideration no later 07/31/2026. Who We're Looking For You're an experienced credit professional with a strong foundation in underwriting, portfolio management, and client servicing. You work efficiently in a fast-paced environment, maintain high standards of credit quality, and support revenue generation through sound analysis and process execution. You bring structure to complex loan requests, mentor junior team members, and uphold compliance across all stages of the credit lifecycle. If you're detail-oriented, disciplined, and skilled at managing both relationships and risk—this role is for you. About the Role The AVP, Senior Credit Analyst supports the Profit Center (PC) by identifying key revenue-generating opportunities across loans, deposits, and investment assets. The role contributes to client growth and retention through accurate underwriting, portfolio oversight, and coordination of the full credit process. Responsibilities include evaluating new loan requests, managing renewals, and ensuring compliance with pricing, credit, and documentation standards. This position plays a critical role in maintaining the health of the loan portfolio—tracking exceptions, covenant requirements, and past dues while supporting Relationship Bankers in delivering complete financial solutions. Success in this role requires strong analytical skills, independent execution, and the ability to operate efficiently in a fast-paced, evolving environment. What You'll Do - Underwrite and analyze complex loan requests, renewals, and modifications, ensuring credit quality, sound structure, and alignment with client needs. - Coordinate all stages of the credit process—from client outreach and document collection to loan application, approval, closing, and onboarding. - Maintain the loan portfolio through proactive administration, including tracking past dues, maturing loans, covenants, exceptions, and annual reviews. - Support cross-selling efforts by identifying new lending opportunities for existing clients and introducing additional bank products. - Collaborate with Relationship Bankers and internal teams to support new business development for both existing and prospective clients. - Provide training and guidance to Credit Analysts and Loan Associates, while ensuring compliance with internal policies and regulatory requirements. What You Bring - Bachelor's degree in business, finance, or a related field - 5–7 years of lending, underwriting, and/or credit experience - Proficiency in Microsoft Office Suite, with advanced Excel skills - Experience with banking and credit software - Experience with CRM systems - Strong mathematical and analytical skills - High initiative and follow-through - Ability to work independently and with a team - Excellent written and verbal communication skills - Strong organizational skills with the ability to prioritize and multi-task - Self-starter with the ability to collaborate across teams and with clients - NMLS registration upon hire What We Offer - Competitive base salary: $77,000 - $108,000/YR, plus strong bonus potential. - 401(k) plan with employer match. - Paid parking and transportation benefits. - Comprehensive health and wellness benefits, including: - Health savings accounts (HSA) - Flexible spending accounts (FSA) - Medical, dental, and vision coverage - Generous paid time off and bank holidays. - Access to training and professional development programs. - Sponsorship and support for obtaining professional certifications. - A culture of collaboration, continuous improvement, and shared success. Equal Opportunity Employer First Western Trust is proud to be an Equal Opportunity Employer. We are committed to creating a diverse, inclusive, and respectful workplace where every team member is valued and given the opportunity to thrive. We welcome applicants of all backgrounds and experiences and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected status.

🏢 Summary: Strategic Finance Lead/Senior role focused on enterprise financial modeling, scenario analysis, capital allocation, and strategic planning within a high-growth manufacturing technology environment. The position partners with executive leadership to drive financial insights, operational performance analysis, and long-term business strategy across manufacturing and investment initiatives. Based in Torrance, CA, the role offers exposure to CFO-level decision-making and cross-functional leadership. 🗂️ Requirements: 7+ years in corporate finance, strategic planning, investment banking, or management consulting, Bachelor's degree in Finance, Business, Economics, or related quantitative field, Advanced financial modeling expertise, Strong communication skills for executive and non-technical audiences, Ability to analyze operational data and translate it into financial impact, Experience influencing executive decisions through data-driven analysis, Experience leading cross-functional strategic initiatives, Ability to manage competing priorities and deadlines, Eligibility to access US export-controlled information and technology 📃 Skills: Finance, Modeling, Forecasting, FP&A, Oracle, Datarails, ERP, Analytics, Planning, Manufacturing 🏢 Description: Divergent is looking for a highly motivated Strategic Finance (Lead/Senior) professional to join the Finance team. In this role, you'll help maximize long-term value by forecasting, analyzing, and influencing performance and growth. This role reports to the Senior Director, Corporate Finance and will have high exposure to the CFO and leaders across the company. The ideal candidate will combine strong technical skills with business acumen, intellectual curiosity, and the ability to translate financial strategy into operational execution. This role will also help shape long-term business planning, capital allocation, and strategic decision-making across the company. Purpose Lead the development and evolution of the company's financial model, integrating commercial, operational, manufacturing, and capital investment assumptions into a cohesive enterprise outlook. Develop enterprise-level scenario analyses that evaluate growth strategies, manufacturing capacity investments, financing alternatives, and major business initiatives. Maintain detailed KPI and financial models tied to manufacturing performance such as production cost, scrap, labor efficiency, and machine utilization, and partner with the business to identify levers for margin optimization. Partner directly with executive leadership to identify strategic risks and opportunities, evaluate business model assumptions, and develop recommendations that improve long-term financial performance. Provide financial insights and recommendations that influence company strategy, resource allocation, and investment decisions. Assist with board materials, diligence requests, and other investor-facing presentations. Partner with FP&A and cross-functional leaders to drive alignment between long-term strategic objectives, annual operating plans, and capital allocation priorities. Establish scalable planning methodologies, decision frameworks, and financial performance metrics that improve organizational decision-making as the business grows. Serve as the finance lead on high-priority strategic initiatives, including manufacturing scale-up efforts, facility expansions, major capital investments, and new business opportunities. Basic Qualifications Ability to lawfully access information and technology that is subject to US export controls. 7+ years in prior fast-paced, analytical roles such as corporate finance, strategic planning, investment banking, or management consulting. Bachelor's degree in Finance, Business, Economics, or related quantitative field. Elite financial modeling skills. Exceptional communication skills and ability to convey financial insights to executives and non-technical audiences. Comfort turning ambiguity into structure and defensible assumptions to solve complex problems. Familiarity working across cross-functional teams to translate operational data into financial impact. Demonstrated ability to influence executive-level decisions through data-driven analysis and strategic recommendations. Experience leading complex cross-functional initiatives involving senior stakeholders and competing business priorities. Ability to drive projects to completion independently and manage deadlines under pressure. Preferred Qualifications Experience analyzing complete, multi-stage manufacturing processes or another capital-intensive and operationally complex business. Familiarity with the Aerospace & Defense GTM cycle, including program-based pricing, contracting structures, and stakeholder landscape. Familiarity with ERPs and financial planning tools such as Oracle and Datarails. Experience supporting board, investor, fundraising, or executive strategic planning activities. Experience building long-range planning, capital allocation, and enterprise scenario modeling frameworks in a high-growth manufacturing, aerospace, defense, automotive, or industrial technology environment. Work Environment This position will be based in the Torrance, CA office. Compensation Strategic Finance Senior Associate (S05): $109,240 - $150,210 Strategic Finance Lead (S06): $126,160 - $173,470 Pay Range: $109,240—$173,470 USD What We Offer Holistic compensation package including competitive salary, equity plan, and discretionary incentive bonus opportunities. Paid vacation, sick time, company holidays, year-end shutdown, and paid parental leave. Comprehensive health and wellness benefits with HMO and PPO options, life insurance, and disability coverage. Learning and development reimbursement opportunities. Collaborative, dynamic, and high-performing work environment within a fast-paced manufacturing technology company. Equal Employment Opportunity All qualified applicants will receive consideration for employment without regard to protected characteristics. The company provides affirmative action in employment for qualified individuals with disabilities and protected veterans. E-Verify The company participates in E-Verify to confirm employment eligibility in the United States. Los Angeles Fair Chance Initiative for Hiring Ordinance Qualified applicants with arrest and conviction records will be considered for employment.

🏢 Summary: Development role focused on building and maintaining applications for Counterparty Credit Risk and derivatives exposure calculations. The position involves enhancing performance, CI/CD pipelines, cloud transition, and automated testing within a high-performance computing environment. The role collaborates closely with Quant and Technology teams to integrate model updates and new technologies into the risk platform. 🗂️ Requirements: Minimum 4 years of programming experience in Python, Experience in systems analysis and software application development, Proficiency in UNIX shell scripting (bash or ksh), Experience with version control systems, Experience with CI/CD pipelines, Experience with automated testing (unit, regression, integration), Experience with performance and memory profiling, Master’s degree in computer science, mathematics, engineering, or physics 📃 Skills: Python, C++, UNIX, Bash, Ksh, Git, Jenkins, CI/CD, Cloud, Profiling, Testing, Grid, Linux 🏢 Description: Counterparty Credit Risk Analytics is a group within Citi Financial Risk Technology, responsible for developing the applications used for derivatives credit risk and exposure calculations Firm-wide. The Counterparty Credit Risk Developer is an intermediate level position responsible for participation in the development and advancement of the derivatives credit risk application. Core objectives will include developing and maintaining the applications calculating the Counterparty Credit Risk metrics. Additional objectives will include the contribution towards application execution analysis reports, monitoring and optimization of the application build and the enhancement of the end-to-end calculation test suite. This is an excellent opportunity to gain exposure to a wide range of advanced technology paradigms like high performance grid computing. It will provide significant opportunities to collaborate with teams in the broader internal network including Front Office Technology, Risk and Quant groups, to ensure integration of new technology features and quant library updates into the codebase. Responsibilities: Develop and maintain Counterparty Credit Risk applications using Python and C++ model libraries. Enhance and support CI/CD processes, including build, testing, and release management. Optimize codebase performance and facilitate the transition to cloud-based workflows. Expand and execute test suites (unit, regression, integration) and conduct performance/memory profiling. Create and maintain comprehensive documentation for applications and processes. Collaborate with Quant and Technology teams to integrate model updates and new technologies. Analyze complex issues and provide evaluative judgments on business and system processes. Serve as a Subject Matter Expert (SME) for senior stakeholders and team members, exercising independent judgment. Qualifications: Minimum 4 years of programming experience in Python, including systems analysis and software application development. Proficiency with UNIX shell scripting (e.g., bash, ksh) and version control software like Git. Experience with CI/CD pipeline technologies, such as Jenkins. Outstanding analytical and problem-solving skills with a thorough and detailed approach to accuracy. Excellent verbal and written communication skills in English. Ability to collaborate effectively within a large team of developers. Capacity to work under pressure, manage deadlines, and take ownership of tasks. Master’s degree or equivalent in computer science, mathematics, engineering, or physics. What we can offer you: By joining Citi Solutions Center Poland, you will not only be part of a business casual workplace with a hybrid working model (currently up to 2 days working at home per week), but also (potentially, subject to final offer) receive a competitive base salary and enjoy a whole host of additional benefits which can include: Employer paid Defined Contribution Pension Plan contribution of 6% of employee’s pensionable earnings (PPE Program) Employer paid Private Medical Care Package for employees and Private Medical Care Packages for certain family members available at preferential rates Employer paid Life Insurance Program for employees and Life Insurance for certain family members available at preferential rates Employee Assistance Program financed by Employer Paid Parental Leave Program (maternity and paternity leave; statutory and 2 weeks additional paid paternity leave) Sport Card for employees subsidized via Social Benefits Fund and Sport Cards for certain family members available at preferential rates Additional benefits from Company’s Social Benefit Fund, in particular: Holidays Allowance, support for sport and cultural activities, team building events. Additional day off for volunteering Cafeteria/ flex benefit – a company benefits system which enables employees to select and purchase benefits offered by a provider and available for employees on the platform. Opportunity to receive an annual discretionary incentive award Special offers and discounts for employees Copy and paste the URL below into a new tab on your web browser to view the Remuneration Regulations extract: https://tbcdn.talentbrew.com/company/287/cms/v3/docs/policies/RemunerationRegulations-KeyProvisions-CitibankEurope_plc_05012025_A.pdf 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-KK1 This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. ------------------------------------------------------ Job Family Group: Technology ------------------------------------------------------ Job Family: Applications Development ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Primary Location Full Time Salary Range: 189 660,00 zł - 322 940,00 zł ------------------------------------------------------ Most Relevant Skills Please see the requirements listed above. ------------------------------------------------------ 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 . View Citi’s EEO Policy Statement and the Know Your Rights poster.

🏢 Summary: Strategic Finance Lead/Senior role focused on enterprise financial modeling, scenario analysis, capital allocation, and strategic decision-making in a high-growth manufacturing and technology environment. The position partners closely with executive leadership to drive long-term planning, operational performance analysis, and investment strategy. The role also supports board and investor-related activities while developing scalable financial planning frameworks. 🗂️ Requirements: 7+ years in corporate finance, strategic planning, investment banking, or management consulting, Bachelor's degree in Finance, Business, Economics, or related quantitative field, Ability to lawfully access US export-controlled information and technology, Advanced financial modeling expertise, Experience translating operational data into financial analysis, Strong executive-level communication skills, Ability to manage cross-functional initiatives and competing priorities, Experience influencing strategic decisions through data-driven analysis, Ability to work independently in fast-paced environments 📃 Skills: Finance, Modeling, Forecasting, FP&A, Oracle, Datarails, Analytics, Manufacturing, Planning, Economics 🏢 Description: Divergent is looking for a highly motivated Strategic Finance (Lead/Senior) professional to join the Finance team. In this role, you'll help maximize long-term value by forecasting, analyzing, and influencing performance and growth. This role reports to the Senior Director, Corporate Finance and will have high exposure to the CFO and leaders across the company. The ideal candidate will combine strong technical skills with business acumen, intellectual curiosity, and the ability to translate financial strategy into operational execution. This role will also help shape long-term business planning, capital allocation, and strategic decision-making across the company. The Role - Lead the development and evolution of the company's financial model, integrating commercial, operational, manufacturing, and capital investment assumptions into a cohesive enterprise outlook - Develop enterprise-level scenario analyses that evaluate growth strategies, manufacturing capacity investments, financing alternatives, and major business initiatives - Maintain detailed KPI and financial models tied to manufacturing performance (e.g. production cost, scrap, labor efficiency, machine utilization) and partner with the business to identify levers for margin optimization - Partner directly with executive leadership to identify strategic risks and opportunities, evaluate business model assumptions, and develop recommendations that improve long-term financial performance - Provide financial insights and recommendations that influence company strategy, resource allocation, and investment decisions - Assist with board materials, diligence requests, and other investor-facing presentations - Partner with FP&A and cross-functional leaders to drive alignment between long-term strategic objectives, annual operating plans, and capital allocation priorities - Establish scalable planning methodologies, decision frameworks, and financial performance metrics that improve organizational decision-making as the business grows - Serve as the finance lead on high-priority strategic initiatives, including manufacturing scale-up efforts, facility expansions, major capital investments, and new business opportunities Basic Qualifications - Ability to lawfully access information and technology that is subject to US export controls - 7+ years in prior fast-paced, analytical roles (corporate finance, strategic planning, investment banking, management consulting) - Bachelor's degree in Finance, Business, Economics, or related quantitative field - Elite financial modeling skills - Exceptional communication skills and ability to convey financial insights to executives and non-technical audiences - Comfort turning ambiguity into structure and defensible assumptions to solve complex problems - Familiarity working across cross-functional teams to translate operational data into financial impact - Demonstrated ability to influence executive-level decisions through data-driven analysis and strategic recommendations - Experience leading complex cross-functional initiatives involving senior stakeholders and competing business priorities - Ability to drive projects to completion independently and manage deadlines under pressure Preferred Qualifications - Experience analyzing complete, multi-stage manufacturing process or another capital-intensive and operationally complex business - Familiarity with the Aerospace & Defense GTM cycle, including program-based pricing, contracting structures, and the stakeholder landscape - Familiarity with ERPs and financial planning tools such as Oracle and Datarails, or similar systems - Experience supporting board, investor, fundraising, or executive strategic planning activities - Experience building long-range planning, capital allocation, and enterprise scenario modeling frameworks in a high-growth manufacturing, aerospace, defense, automotive, or industrial technology environment Work Environment - This position will be based in the Torrance, CA office. Compensation - Strategic Finance Senior Associate (S05): $109,240 - $150,210 - Strategic Finance Lead (S06): $126,160 - $173,470 - Pay Range: $109,240—$173,470 USD What We Offer - Competitive salary, equity plan, and discretionary incentive bonus opportunities - Paid vacation, sick time, company holidays, and year-end shutdown - Paid parental leave - Comprehensive health and wellness benefits including HMO and PPO options - Company-sponsored life insurance and disability coverage - Reimbursement opportunities for learning and development initiatives - Collaborative, high-performing, mission-driven work environment Equal Employment Opportunity All qualified applicants will receive consideration for employment without regard to protected characteristics in accordance with applicable laws. E-Verify The company participates in E-Verify to confirm eligibility to work in the United States after completion of Form I-9. Los Angeles Fair Chance Initiative for Hiring Ordinance (FCIHO) Qualified applicants with arrest and conviction records will be considered for employment in accordance with applicable laws.

🏢 Summary: Hybrid Senior QA Analyst role focused on test planning, functional testing, and defect management within an evolving AI-driven environment. The position involves collaborating with cross-functional Agile teams, leveraging AI-enabled QA tools, and ensuring high-quality releases across system, integration, regression, and release testing. Requires strong experience in QA methodologies, SDLC, and automation strategies. 🗂️ Requirements: 5–7 years experience in Software Quality Assurance or software testing, Strong knowledge of QA best practices and modern test strategies, Understanding of QA automation methodologies and implementation within test lifecycle, Deep understanding of SDLC and defect tracking processes, Minimum 3 years experience in Agile/Scrum environment, Experience with functional, system, integration, regression, and release testing, Experience using Jira for bug tracking, Strong analytical and troubleshooting skills 📃 Skills: QA, SDLC, Agile, Scrum, Jira, Automation, AI, Testing, Regression, Integration, Scripting 🏢 Description: Job Description As a Senior Senior QA Analyst, you will join a team that is actively evolving into an AI-driven environment. You will use your analytical skills to provide test planning and test execution for new features prior to going to market, with the explicit expectation to proactively leverage AI-enabled QA tools to maximize efficiency and enhance workflow effectiveness. You will work with other QA team members, Product, and Engineers on a regular basis, as well as various other teams as needed. You'll be exposed to many of our products and have many opportunities to learn new things. This position is hybrid and requires working from the Phoenix office. Responsibilities - Analyze requirements and user story cards to independently gather test scenarios and build comprehensive test plans. - Participate in estimating test effort and defining timelines within sprint cycles. - Lead and participate in all aspects of functional testing, including system, integration, regression, and release testing for all assigned products and features. - Collaborate closely with developers and QA team members to ensure comprehensive test coverage and identify candidates for test automation. - Create, maintain, and execute clear test case documentation for new and existing features. - Document, track, and manage bugs efficiently using Jira. - Analyze and reproduce complex problems reported by customers to assist engineering in root-cause analysis. - Proactively leverage AI tools to maximize efficiency and enhance QA workflow effectiveness. Required Qualifications - 5-7 years of professional experience in Software Quality Assurance (QA) or a software testing role. - Strong knowledge of industry best practices, including modern test strategies and shift-left quality practices. - Strong conceptual understanding of QA automation methodologies and implementation within the testing lifecycle. - Deep understanding of the SDLC and proven application of QA methodologies, test planning, and defect tracking. - 3+ years of experience working in an Agile/Scrum environment. - Strong analytical and troubleshooting skills. - Excellent communication skills. Preferred Qualifications - Exposure to software development practices or basic scripting knowledge. - Interest in leveraging AI tools for efficiency or prior professional experience using them. Benefits We offer a comprehensive and competitive benefits package designed to support your well-being and future, including medical, dental, vision, and life insurance with low deductibles and significant employer contributions. Additional benefits include flexible and generous PTO, competitive 401(k) with employer contributions, paid parental leave, discounted insurance plans for pets and legal services, and an employee stock purchase plan.

🏢 Summary: Senior Application Developer role focused on developing, optimizing, and maintaining a production Python-based derivatives credit risk application used for firm-wide risk and regulatory capital calculations. The position involves integrating pricing models and quant library enhancements, improving runtime performance, and supporting cloud transition within a distributed computing environment. The role includes collaboration with Front Office, Quant, and Risk teams to deliver scalable and robust risk technology solutions. 🗂️ Requirements: Strong Python programming experience, Experience developing applications on Windows and Linux, Proficiency in UNIX shell scripting (ksh, bash), Experience with version control systems, Experience with CI/CD pipelines, Solid knowledge of mathematical finance and statistical analysis, Understanding of probability and stochastic calculus, Experience in derivatives pricing and risk analytics, Ability to work within large development teams, Degree in Computer Science, Mathematics, Engineering, Physics or related field 📃 Skills: Python, Linux, Windows, Unix, Bash, Ksh, Git, TortoiseSVN, Jenkins, CI/CD, Grid, Cloud, MonteCarlo, Derivatives, BaselIII, FRTB, CCAR 🏢 Description: Job Description ACE Quant Development Team is a group within Citi's Financial, Market & Credit Risk Technology group, responsible for developing the analytical models which are used for derivatives credit risk and exposure calculations Firm-wide. The team's primary focus is the development, testing, deployment, and maintenance of the production derivatives credit risk application, used for internal risk management and regulatory capital purposes. The Counterparty Credit Risk Senior Application Developer position is a senior role that will interface closely with Quant and Front Office technology teams to integrate pricing model and workflow enhancements within the ACE application. There will be exposure to a wide range of technological frameworks, including distributed computing architecture. Key responsibilities will include identifying and implementing optimizations with respect to the execution run-time and consolidating development across asset classes. This is an excellent opportunity to work with a wide range of advanced technology paradigms including grid computing. It will also provide significant opportunities to collaborate with teams in the broader internal network including Front Office Technology, Quant groups, Risk Managers to ensure integration of new technology features and quant library updates into the codebase. The role will involve tasks such as: Development and maintenance of the ACE Python application. Assist with transition to cloud Identifying and developing calculation optimization improvements Working with Front Office teams to integrate quant library/technology enhancements into the codebase Supporting the build, testing and release management of the credit risk application Work on Regulatory and Governance based projects across a range of the asset classes Providing regular development updates to stakeholders Performing data analysis and producing regular reports Take ownership and proactively follow up on issues if they arise Experience: Solid mathematical finance and statistical analysis skills Knowledge of probability and stochastic calculus Thorough and detailed approach to accuracy are essential Ability to follow procedures and operate within strict guidelines Excellent verbal and written English Ability to work in a team and to work well under pressure Technical Excellent command of programming using Python Experience developing software for Windows and Linux Good command of scripting using UNIX Shell (ksh, bash, etc) Experience working collaboratively within large development teams Proficiency with version control software like Git, TortoiseSVN Familiarity with CI/CD pipeline technologies like Jenkins preferable Outstanding analytical and problem-solving skills Beneficial Familiarity with Numerical analysis/Monte-Carlo methods is a plus Experience working on Regulatory based projects such as Model Risk, Basel III, Stress Testing, FRTB, CCAR is an advantage Proven track record of developing and supporting analytics library for derivatives pricing and risk. In depth knowledge of Rates, Credit, Equities, Commodities derivatives is an advantage Education: Degree educated with Master’s degree (PhD preferred) or equivalent in computer science, mathematics, engineering or physics or relevant experience operating in a similar role What we can offer you: By joining Citi Solutions Center Poland, you will not only be part of a business casual workplace with a hybrid working model (currently up to 2 days working at home per week), but also (potentially, subject to final offer) receive a competitive base salary and enjoy a whole host of additional benefits which can include: Employer paid Defined Contribution Pension Plan contribution of 6% of employee’s pensionable earnings (PPE Program) Employer paid Private Medical Care Package for employees and Private Medical Care Packages for certain family members available at preferential rates Employer paid Life Insurance Program for employees and Life Insurance for certain family members available at preferential rates Employee Assistance Program financed by Employer Paid Parental Leave Program (maternity and paternity leave; statutory and 2 weeks additional paid paternity leave) Sport Card for employees subsidized via Social Benefits Fund and Sport Cards for certain family members available at preferential rates Additional benefits from Company’s Social Benefit Fund, in particular: Holidays Allowance, support for sport and cultural activities, team building events. Additional day off for volunteering Cafeteria/ flex benefit – a company benefits system which enables employees to select and purchase benefits offered by a provider and available for employees on the platform. Opportunity to receive an annual discretionary incentive award Special offers and discounts for employees Copy and paste the URL below into a new tab on your web browser to view the Remuneration Regulations extract: https://tbcdn.talentbrew.com/company/287/cms/v3/docs/policies/RemunerationRegulations-KeyProvisions-CitibankEurope_plc_05012025_A.pdf 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-KK1 This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. ------------------------------------------------------ Job Family Group: Technology ------------------------------------------------------ Job Family: Applications Development ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Primary Location Full Time Salary Range: zł268,390.00 - zł457,010.00 ------------------------------------------------------ Most Relevant Skills Please see the requirements listed above. ------------------------------------------------------ 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 . View Citi’s EEO Policy Statement and the Know Your Rights poster.

🏢 Summary: Senior Capital Markets Analyst role supporting and executing capital transactions that fund loan origination, including ABS, warehouse facilities, and whole loan sales. The position focuses on portfolio analytics, investor reporting, transaction structuring, and cross-functional coordination with senior leadership. It offers high exposure to capital markets strategy within a consumer lending platform. 🗂️ Requirements: 3+ years in structured finance, debt capital markets, ABS, private credit, investment banking (FIG/ABS), rating agency, or online lending, Bachelor’s degree in Finance, Economics, Mathematics, Engineering, or related quantitative field, Strong quantitative and analytical skills, Advanced proficiency in Excel, Understanding of consumer credit asset classes and ABS structures, Knowledge of key performance metrics (CPR, CDR, OC/IC triggers), Ability to independently analyze portfolio trends and present recommendations, Strong written and verbal communication skills, High attention to detail and ability to manage multiple workstreams 📃 Skills: Excel, SQL, Python, ABS, StructuredFinance, CapitalMarkets, ConsumerCredit, FinancialModeling, DataAnalysis 🏢 Description: ABOUT THE ROLE Happy Money is seeking a Senior Capital Markets Analyst to join the Capital Markets team, reporting directly to the Chief Capital Officer. This role supports and executes capital transactions that fund loan origination and scaling of The Payoff Loan™. The position involves managing institutional investor relationships, supporting asset-backed securitizations (ABS) and whole loan transactions, maintaining warehouse and forward flow facilities, and developing analytics and materials that support the external capital strategy. The role works cross-functionally with Credit, Risk, Engineering, Legal, Accounting, and Servicing teams. RESPONSIBILITIES - Own portfolio performance analytics including cohort-level analysis, credit attribute segmentation, prepayment behavior, loss trend monitoring, and collateral performance forecasting; provide recommendations for transaction structuring and investor discussions - Build, maintain, and improve reporting infrastructure for investor transparency, rating agency packages, internal capital planning, and facility compliance monitoring - Support structuring, negotiation, and execution of forward flow agreements, warehouse credit facilities, and asset-backed securitizations - Prepare and deliver investor diligence materials, data packages, and portfolio performance reports; respond to investor inquiries - Monitor warehouse facility utilization, covenant compliance, and performance triggers; proactively flag and address issues - Coordinate investor due diligence processes, manage timelines, and track cross-functional deliverables - Collaborate with Credit & Risk, Product, Engineering, Legal, Accounting, and Servicing to ensure data integrity and seamless transaction execution ABOUT YOU - 3+ years of experience in structured finance, debt capital markets, ABS banking or trading, private credit, investment banking (FIG or ABS focused), rating agency, or online lending platform - Bachelor’s degree in Finance, Economics, Mathematics, Engineering, or related quantitative field; advanced degree may substitute for experience - Strong quantitative and analytical skills with proficiency in Excel - Solid understanding of consumer credit asset classes, ABS structures, and key performance metrics (CPR, CDR, OC/IC triggers) - Ability to independently analyze portfolio trends and recommend solutions - Excellent written and verbal communication skills - High attention to detail and ability to manage multiple workstreams - Collaborative and resourceful approach in cross-functional environments BONUS POINTS FOR - Experience at a fintech lender, marketplace lending platform, or consumer credit-focused firm - Advanced knowledge of SQL or Python for analytics and reporting automation BENEFITS & PERKS - Generous medical, dental, and vision insurance options - Eligible for Annual Bonus - 401k plan with matching contribution - Generous PTO including sick leave, vacation, and volunteer time - 12 weeks paid parental leave - Company-paid short and long term disability and life insurance - Monthly tech stipend for remote work expenses - 100% fully distributed workforce - Base Salary Range: $115,000—$130,000 USD

🏢 Summary: Senior Python Developer role focused on building and enhancing credit risk modeling toolkits within a global financial risk analytics environment. The position involves developing robust Python libraries, integrating prototypes into operational risk models, and collaborating with risk modellers in an Agile setup. The work directly supports large-scale risk assessment processes through high-quality, scalable software solutions. 🗂️ Requirements: 4+ years of Python application development experience, Experience in financial or data-driven environments, Strong object-oriented programming knowledge, Experience with test-driven development, Experience with pytest or similar testing frameworks, Knowledge of SOLID principles and design patterns, Experience with code reviews and refactoring, Proficiency with Git version control, Experience with continuous integration practices, Experience working in Agile methodologies, Fluent English, Legal right to work in the EU 📃 Skills: Python, OOP, pytest, Git, CI, Agile, NumPy, SciPy, pandas, Matplotlib, PySpark 🏢 Description: Empower the Future of Financial Risk — Shape Innovative Solutions in Global Risk Analytics! Krakow-based opportunity with hybrid work model. As a Senior Python Developer – Financial Risk Analytics , you will be working for our client, a leading institution in global risk management. In this role, you will contribute to high-impact financial engineering projects by developing and enhancing credit risk modeling toolkits. Your work will directly support HSBC’s risk assessment processes across five continents, helping to streamline operations, improve model consistency, and accelerate risk analysis innovations. Your main responsibilities: Develop and test robust Python applications, adhering to best coding practices and object-oriented design principles. Collaborate closely with Wholesale Credit Risk modellers to gather requirements and ensure toolkit effectiveness. Contribute to the development of large Python libraries and testing suites, including continuous integration practices. Perform code reviews and refactor existing code to improve quality and maintainability. Support the integration of prototypes into operational risk models, ensuring accuracy and efficiency. Work within an Agile environment, engaging in regular sprint cycles and collaboration. You're ideal for this role if you have: 4+ years of professional experience in Python application development within a financial or data-driven environment. Strong knowledge of object-oriented programming, test-driven development, and testing frameworks like pytest. Practical understanding of code review standards, SOLID principles, and design patterns. Experience with version control systems, specifically Git. Familiarity with Agile methodologies and continuous integration. Fluency in English, with excellent communication skills. It is a strong plus if you have: (optional) MSc or PhD in Computer Science, Mathematics, Physics, Operational Research, or similar. Knowledge of credit risk analytics and familiarity with the financial services industry. Experience with scientific computing stacks: NumPy, SciPy, pandas, Matplotlib. Experience with Big Data tools like PySpark. Contributions to open-source Python libraries. Language Required for the role: Fluent English Eligibility for the role: Only candidates with an existing legal right to work in the European Union will be considered for this role. #MAKEYourCareerBETTER Interested? Apply now and include your CV (preferably in English) along with a statement confirming your consent to the processing and storage of your personal data.

🏢 Summary: Senior Manager of Financial Planning and Analysis responsible for leading strategic finance in a highly regulated 503A/503B environment, driving AI-enabled forecasting, budgeting, and performance management. The role focuses on optimizing financial operations, ensuring regulatory compliance, and delivering executive-level insights to support growth. Requires strong leadership, advanced financial modeling expertise, and experience integrating AI into financial processes. 🗂️ Requirements: Bachelor’s degree in Finance, Business Administration or related field, Proven experience in Financial Planning and Analysis (FP&A), Expertise in financial modeling and forecasting, Experience integrating AI into financial processes, Knowledge of 503A/503B regulatory compliance, Executive-level financial reporting experience, Strong analytical and strategic decision-making skills, Leadership and team management experience 📃 Skills: FP&A, FinancialModeling, Forecasting, Budgeting, AI, DataAnalytics, RiskManagement, RegulatoryCompliance, Reporting, Visualization 🏢 Description: Position Summary: As the Senior Manager of Financial Planning and Analysis, you will drive business impact through strategic financial leadership in a hyper-growth, highly regulated 503A/503B environment. You will own financial planning processes, leveraging AI to enhance speed, scale, quality, and decision-making. The role focuses on optimizing financial performance, ensuring regulatory compliance, and delivering insights that support informed executive decision-making. Responsibilities: Strategic Finance - Lead comprehensive financial analysis to identify trends, variances, and opportunities, integrating AI-driven insights. - Develop strategic recommendations aligned with growth objectives and regulatory compliance requirements. - Develop risk management frameworks and contingency plans aligned with organizational risk appetite. - Integrate AI into financial forecasting and modeling to improve scalability and insight quality. Financial Operations - Optimize financial processes through AI automation and continuous improvement initiatives. - Oversee budgeting processes and ensure alignment with strategic goals and financial targets. - Monitor budget adherence and provide actionable performance insights. - Design and implement performance metrics to track financial health and business performance. Leadership and Collaboration - Foster a high-performance team culture emphasizing strategic thinking and execution rigor. - Partner cross-functionally to align financial strategies with organizational objectives. - Deliver executive-level reporting with clear, data-driven insights using AI-enhanced visualization tools. Innovation and Growth - Drive growth strategies leveraging financial insights and AI capabilities. - Ensure all financial activities comply with 503A/503B regulatory requirements. - Promote continuous improvement in financial planning capabilities and tool adoption. Knowledge and Skills: - Expertise in financial modeling, forecasting, and analysis with AI integration. - Proficiency in AI and data analytics for strategic financial decisions. - Strong leadership and communication skills. Experience and Qualifications: - Bachelor’s degree in Finance, Business Administration, or related field; MBA or CFA preferred. - Proven experience in financial planning and analysis with strategic leadership responsibility. - Demonstrated expertise in AI-driven financial processes and regulatory compliance. Employee Benefits, Health and Wellness: - Medical, dental, and vision coverage. - Paid time off. - 401(k) matching. - Wellness perks, IV therapy, and compounded medications. Physical Requirements: - Ability to remain in a stationary position for extended periods. - Frequent use of hands and fingers to operate computers and office equipment. - Regular movement within the office and corporate campus. - Ability to stand, walk, reach, climb, balance, stoop, kneel, crouch, or crawl as required.

🏢 Summary: Senior Testing Analyst role focused on leading and executing User Acceptance Testing and quality assurance activities within complex financial systems, including trading platforms. The position involves designing test strategies, coordinating testers, managing defects, and ensuring applications meet business and technical requirements within the SDLC. It combines hands-on testing with mentorship and stakeholder collaboration in a global IT environment. 🗂️ Requirements: Proven experience in software testing, Experience with User Acceptance Testing (UAT), Knowledge of Software Development Lifecycle (SDLC), Knowledge of Quality Assurance methodologies, Knowledge of operating systems, programming languages and database tools, Experience with defect tracking and change management processes, Experience with automated regression testing tools, Experience testing trading platforms or similar systems, Ability to design test plans, test cases and test scripts, Ability to perform root cause analysis, Ability to coordinate testing activities within projects 📃 Skills: UAT, SDLC, QA, SQL, Regression, DefectTracking, ChangeManagement, TradingPlatforms, Automation, Databases, OperatingSystems 🏢 Description: Discover your future at Citi Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact. Job Overview Job Title Testing Senior Analyst Are you looking for a career move that will put you at the heart of a global financial institution? Then bring your skills in testing, problem solving and knowledge of the Software Development Lifecycle. By Joining Citi, you will become part of a global organisation whose mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Team/Role Overview The Testing Sr Analyst is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual. What you’ll do Supports initiatives related to User Acceptance Testing (UAT) process and product rollout into production. Testing specialists who work with technology project managers, UAT professionals and users to design and implement appropriate scripts/plans for an application testing strategy/approach. Tests and analyzes a broad range of systems and applications to ensure they meet or exceed specified standards and end-user requirements. Work closely with key stakeholders to understand business and functional requirements to develop test plans, test cases and scripts. Works complex testing assignments. Executes test scripts according to application requirements documentation. Identifies defects and recommends appropriate course of action; performs root cause analyses. Coordinates multiple testers and testing activities within a project. Retests after corrections are made to ensure problems are resolved. Documents, evaluates and researches test results for future replication. Identifies, recommends and implements process improvements to enhance testing strategies. Analyzes requirements and design aspects of projects. Interfaces with client leads and development teams. Exhibits sound understanding of concepts and principles in own technical area and a basic knowledge of these elements in other areas. Requires in-depth understanding of how own area integrates within IT testing and has basic commercial awareness. Makes evaluative judgments based on analysis of factual information in complicated and novel situations. Participate in test strategy meetings, Requires sound and comprehensive communication and diplomacy skills to exchange complex information. Provide metrics related to the cost, effort, and milestones of Quality activities on a project level Acts as advisor and mentor for junior members of the team. Regularly assumes informal/formal leadership role within teams. What we’ll need from you Testing experience Familiarity with the Software Development Lifecycle (SDLC) and how Quality Assurance methodology fits into the SDLC Knowledge of relevant operating systems, languages and database tools Knowledge of defect tracking systems and processes; including change management Knowledge of automated regression testing tools. Experience of testing trading platforms or similar software. Ability to work under pressure during tight dead lines Requires methodical approach to testing and problem solving. Requires theoretical and analytical skills, with demonstrated ability in planning and operations Excellent communication and stakeholder management skills with a proactive attitude, always seeking opportunities to add value Specific software languages will be dependent of area of business What we can offer you By joining Citi Solutions Center Poland, you will not only be part of a business casual workplace with a hybrid working model (currently up to 2 days working at home per week), but also (potentially, subject to final offer) receive a competitive base salary and enjoy a whole host of additional benefits which can include: Employer paid Defined Contribution Pension Plan contribution of 6% of employee’s pensionable earnings (PPE Program) Employer paid Private Medical Care Package for employees and Private Medical Care Packages for certain family members available at preferential rates Employer paid Life Insurance Program for employees and Life Insurance for certain family members available at preferential rates Employee Assistance Program financed by Employer Paid Parental Leave Program (maternity and paternity leave; statutory and 2 weeks additional paid paternity leave) Sport Card for employees subsidised via Social Benefits Fund and Sport Cards for certain family members available at preferential rates Additional benefits from Company’s Social Benefit Fund, in particular: Holidays Allowance, support for sport and cultural activities, team building events. Additional day off for volunteering Cafeteria/ flex benefit – a company benefits system which enables employees to select and purchase benefits offered by a provider and available for employees on the platform. Opportunity to receive an annual discretionary incentive award Special offers and discounts for employees 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.