Credit Risk Analytics - USPB Collections - Vice President

Citigroup Inc.; Mumbai; On-site; INR 3,800,000 - 6,200,000; Full time

Job summary

Citigroup Inc. in Mumbai is seeking a senior Credit Portfolio Officer to lead collections policy activities, monitor portfolios and propose strategy enhancements across all lines of business. This IC role involves stakeholder coordination, policy reviews, and end-to-end initiative leadership.

You will develop reporting frameworks for USPB collections, conduct SAS-based risk analyses, and present insights to senior management while ensuring robust controls and regulatory compliance.

Qualifications

• 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.

Responsibilities

• Help in development of reporting framework for USPB collections across all LoBs. Monitor monthly trends for insights and work proactively on enhancement of the reporting platform, aligned with simplification and automation goals
• Understand USRB policies and deep-dive to find any gaps. Work with controls team for sizing / fixing and remediation and also putting on compensating controls
• Understand collections strategies and work on enhancements / Lead end to end strategic initiates - working with many stakeholders
• 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.

Skills

Analytical Thinking

Credible Challenge

Governance

Policy

Procedure

Portfolio Analysis

Risk Management Lifecycle

Constructive Debate

Escalation Management

Industry Knowledge

Policy and Regulation

Process Execution

Product Knowledge

Risk Controls and Monitors

Risk Identification and Assessment

Education

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

Master's degree preferred

Job description

The Credit Portfolio Officer is a senior-level position responsible for leading collections policy activities including (not restricted to) portfolio monitoring, portfolio deep-dives, suggesting strategy and policy enhancements opportunities, lead end to end implementation of strategies, which involves working with different stakeholders across teams, review policy exceptions and work with the controls teams closely on sizing, fixing and providing effective controls. Participate in regulatory reviews and exams. Its an IC role supporting all LoBs (Brands , CRS , PIL and USRB)

Responsibilities:

• Help in development of reporting framework for USPB collections across all LoBs. Monitor monthly trends for insights and work proactively on enhancement of the reporting platform, aligned with simplification and automation goals
• Understand USRB policies and deep-dive to find any gaps. Work with controls team for sizing / fixing and remediation and also putting on compensating controls
• Understand collections strategies and work on enhancements / Lead end to end strategic initiates - working with many stakeholders
• 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.

Qualifications:

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

Job Family Group:

Job Family:

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.

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