Credit Portfolio Analytics - Existing Customer Management - Intermediate Analyst

Citi; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Citi in Bengaluru seeks an intermediate Credit Portfolio Analyst to conduct credit reviews, approve limits and monitor portfolios with Risk Management. The role emphasizes analytical rigor, communication, and adherence to policy while safeguarding Citi's assets.

The candidate should have 3+ years of relevant experience, a Bachelor’s degree, and strong skills in SAS, SQL and Excel to support risk analytics for US credit card portfolios.

Qualifications

• 3+ years of relevant experience in credit risk or related field.
• Experience in financial analysis, accounting and valuation.
• Strong written and verbal communication skills.

Responsibilities

• Develop, execute and manage credit risk strategies for portfolios.
• Analyze and approve counterparty credit limits for trading and financing businesses.
• Collaborate with Risk Management to monitor credit migration and ensure compliance.

Skills

Credit risk analysis

SAS

SQL

Excel

PowerPoint

Communication

Education

Bachelor's degree or equivalent

Tools

SAS E-miner

Knowledge Studio

UNIX

Mainframe

Job description

The Credit Portfolio Intermediate 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

• Resolve issues and recommend solutions to moderate problems
• Integrate specialty area knowledge with an understanding of industry standards and practices and how teams collaborate to accomplish goals of the sub-function/ job family
• Serve as an industry expert and advisor
• Analyze and approve counter-party credit limits for trading, transactional and financing businesses with funds
• Develop risk management framework and processes for funds
• Advise businesses and clients on transaction structures and negotiate credit terms
• Has the ability to operate with a limited level of direct supervision.
• Can exercise independence of judgement and autonomy.
• Acts as SME to senior stakeholders and /or other team members.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications

• 3+ years of relevant experience
• Experience in financial analysis, accounting and valuation
• Consistently demonstrate clear and concise written and verbal communication

Education

• Bachelor's degree/University degree or equivalent experience

The role is responsible for development, execution, and management of credit risk strategies for US credit cards.

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

• 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.

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.

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