Credit Portfolio Officer - C13 - GURUGRAM

Citi; Gurugram District; On-site; INR 4,000,000 - 6,000,000; Full time

Job summary

Citi is seeking a Credit Portfolio Officer to lead credit reviews, approvals, and monitoring of the global portfolio. You will coordinate with Risk Management to identify credit migration and ensure robust governance across lending products and industry segments.

The role requires hands-on analysis using SAS in UNIX, strong communication with senior stakeholders, and the ability to work with limited supervision while upholding Citi's standards and regulatory commitments.

Qualifications

• 6–10 years of experience in credit card risk management or equivalent training and experience.
• Proven ability to apply credit and risk principles toward business goals.

Responsibilities

• Develop framework for portfolio risk assessment across lending products and industry segments.
• Understand applicable credit policies and governance impact for new partners or initiatives.
• Establish cross-functional partnerships with internal and external stakeholders.
• Utilize SAS in a UNIX environment to perform risk, financial and data analyses.
• Prepare risk management presentations for senior management with analytics on portfolio performance.
• Operate with limited supervision and act as SME to senior stakeholders.

Skills

Analytical Thinking

Credible Challenge

Governance

Policy

Procedure

Regulation

Portfolio Analysis

Risk Management Lifecycle

Education

Bachelor's degree

Master's degree preferred

Tools

SAS

UNIX

Job description

Job Description:

The Credit Portfolio Officer is a senior-level position responsible for leading activities including credit review, credit approvals 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 client and counterparties globally.

Responsibilities

• Develop framework for portfolio risk assessment including evaluation of credit and financial performance across varied lending products and industry segments
• Understand applicable credit policies, industry regulations and the requisite impact of those governance items to prospective new partners or product initiatives
• Establish and leverage cross-functional partnerships and network with key internal and external constituencies
• Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, forecasting and new program due diligence
• Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity
• 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.

Recommended Qualifications

• 6-10 years of experience in credit card risk management or equivalent training and experience preferably in the financial services industry
• Proven ability to apply credit and risk principles toward business goals
• Demonstrated ability to synthesize and prioritize
• Proven ability to remain organized in a fast-paced environment
• Demonstrated interpersonal, organizational and analytic skills

Education

• Bachelor's degree/University degree or equivalent experience
• Master's degree preferred

• Working Environment: office setting, minimal travelling and working hours in the office may be required during projects.
• Effort: minimal physical effort required. High levels of prolonged and intense concentration may be required in front of computer.

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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