Credit Portfolio Sr Analyst

Citi; Gurugram District; On-site; INR 1,200,000 - 2,100,000; Full time

Job summary

Citi is seeking a Credit Portfolio Senior Analyst to conduct credit reviews, approvals, and monitoring of the portfolio globally, coordinating with Risk Management. The role focuses on managing Citi's portfolio exposure to clients and counterparties.

Responsibilities include developing risk policies, applying statistical techniques, and presenting risk findings to senior management in a fast-paced environment.

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 urgency.
• Proven ability to remain organized in a fast-paced environment, managing multiple projects.
• Proven interpersonal, organizational and analytic skills.

Responsibilities

• Contribute to development of new techniques and improvement of processes within Risk Management.
• Develop recommendations to adjust credit policies by analyzing credit and financial performance.
• Utilize SAS in a UNIX environment to perform risk, financial and data analyses.
• Research customer and/or management queries using risk systems and support ad-hoc analyses.
• Participate in developing, testing, and optimizing credit policies and implementations.
• Manage risk levels across the credit spectrum and prepare senior management presentations.
• Assess risk in business decisions, ensure compliance and ethical conduct, escalating issues as needed.

Skills

Analytical Thinking

Credible Challenge

Governance

Policy

Procedure

Regulation

Portfolio Analysis

Risk Management Lifecycle

Education

Bachelor's degree

Tools

SAS

Job description

Job Description:

The 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.

Recommended 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

• 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:

------------------------------------------------------

Job Family:

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Most Relevant Skills

• Analytical Thinking
• Credible Challenge
• Governance
• Policy
• Procedure
• Regulation
• Portfolio Analysis
• Risk Management Lifecycle

------------------------------------------------------

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.

View Citi’s EEO Policy Statement and the Know Your Rights poster.

Requirements: