Mortgage Portfolio Risk Analytics - Assistant Vice President

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

Job summary

Citi is seeking a Credit Portfolio Officer to conduct credit reviews and manage its mortgage portfolio. This senior-level position involves analyzing credit policies, driving compliance, and preparing presentations for senior management.

The ideal candidate should have 7–10 years of relevant experience, a Bachelor's degree, and skills in commercial risk analytics. The role requires organizational capabilities and the ability to work under pressure, contributing to risk management across the organization.

Qualifications

• 7–10 years of relevant experience in credit and risk management.
• Ability to manage multiple projects in a fast-paced environment.
• Demonstrated ability to synthesize, prioritize, and drive results.

Responsibilities

• Conduct credit reviews and approval for mortgage portfolio.
• Develop recommendations to adjust credit policies based on analysis.
• Utilize SAS for risk and financial data analyses.
• Research queries using risk systems and support policy analyses.
• Prepare risk management presentations for senior management.

Skills

Commercial risk analytics

Credit and risk principles

Organizational skills

Analytic skills

Interpersonal skills

Education

Bachelor's degree or equivalent experience

Tools

Statistical Analysis System (SAS)

UNIX environment

Job description

The Credit Portfolio Officer is a senior‑level position responsible for conducting credit reviews, credit approval and monitoring the mortgage 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 setting portfolio risk appetite
• 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

Qualifications

• 7–10 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

Shift

Flexible to work in 1PM to 10PM

Job Family Group

Risk Management

Job Family

Portfolio Credit Risk Management

Time Type

Full time

Equal Employment Opportunity

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