Acquisitions Credit Risk Analytics – Analyst II

Citi; Gurugram District; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Citi is hiring a Credit Portfolio Analyst II in Gurugram to assess and monitor credit risk, develop scoring strategies, and communicate findings to risk leadership.

The role requires 1–3 years of experience, strong SAS/SQL, Excel, and PowerPoint skills, and ability to work in matrix environments across risk management teams.

Qualifications

• 1-3 years of relevant experience.
• Experienced in developing, implementing, and monitoring credit strategies or scoring models across authorizations, underwriting, existing customer management and collections.
• Programming skills in advanced SAS, SQL, Knowledge Studio, SAS E-miner in mainframe, UNIX and PC environments.
• Highly proficient in Excel/pivot tables and PowerPoint.
• Strong communication and presentation skills targeting a variety of audiences.
• Exposure to project/process management.

Responsibilities

• Must have capability to clearly develop and communicate analysis
• A good understanding of credit life cycle
• Must have hands on expertise in developing and managing segmentations
• Presentations to both technical and non-technical personnel are required to be made frequently as part of the job
• Ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities.

Skills

SAS

SQL

Knowledge Studio

SAS E-miner

UNIX

Excel

PowerPoint

Communication skills

Presentation skills

Project management

Education

Bachelor's degree in Mathematics/Statistics/Economics

Tools

SAS

SQL

Knowledge Studio

SAS E-miner

Job description

The Credit Portfolio Analyst II 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.

Role Summary

• Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses
• Support tactical and strategic Risk Analytics projects for U.S. Consumer Cards
• Independently manage development and implementation of effective risk management strategies that balances the risk and reward of the portfolio
• Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes
• Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies.
• Must be able to effectively provide updates and communicate key initiatives to senior risk management.
• Analyze tests and performance using SAS and decision tree (CHAID/ CART)
• Evaluate effectiveness of current policies and strategies

Responsibilities

• Must have capability to clearly develop and communicate analysis
• A good understanding of credit life cycle
• Must have hands on expertise in developing and managing segmentations
• Presentations to both technical and non-technical personnel are required to be made frequently as part of the job
• Ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities.

Skills

• 1-3 years of relevant experience
• Experienced in developing, implementing, and monitoring credit strategies or scoring models across authorizations, underwriting, existing customer management and collections
• Programming skills in advanced SAS, SQL, Knowledge Studio, SAS E-miner in mainframe, UNIX and PC environments.
• Highly proficient in Excel/pivot tables and PowerPoint.
• Exposure to project/process management
• Strong communication and presentation skills targeting a variety of audiences
• Flexibility in approach and thought process Strong influencing and facilitation skills.

Education

• Bachelor’s degree/University degree in Mathematics/ Statistics/ Economics or equivalent experience

Job Family Group

Risk Management

Job Family

Portfolio Credit Risk Management

Time Type

Full time

Most Relevant Skills

Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.

Other Relevant Skills

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

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.