Mortgage Portfolio Risk Analytics - Assistant Vice President

Citigroup Inc.; Gurugram District; On-site; INR 1,200,000 - 1,500,000; Full time

Job summary

Citigroup Inc. is seeking a Credit Portfolio Officer in Gurugram to oversee credit reviews and manage portfolio exposure. The role involves developing new techniques and recommendations for credit policies, utilizing SAS for financial analyses, and ensuring regulatory compliance.

Ideal candidates will have 7-10 years of experience in commercial risk analytics, a Bachelor's degree, and strong interpersonal and organizational skills. Flexibility in work hours from 1 PM to 10 PM is required.

Qualifications

• 7 - 10 years of relevant experience.
• Ability to synthesize, prioritize and drive results with urgency.
• Proven ability to manage multiple projects in a fast-paced environment.

Responsibilities

• Conduct credit reviews, credit approvals, and portfolio monitoring.
• Develop recommendations for credit policy adjustments.
• Utilize SAS in a UNIX environment for financial analyses.

Skills

Commercial risk analytics

Ability to apply credit and risk principles

Interpersonal skills

Organizational skills

Analytic skills

Education

Bachelor's degree/University degree or equivalent experience

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 1 PM to 10 PM

Equal Opportunity Employer

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.

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