Mortgage Portfolio Risk Analytics - Assistant Vice President

Citi; Gurugram District; On-site; INR 1,800,000 - 2,600,000; Full time

Job summary

Citi is seeking a senior Credit Portfolio Officer to lead credit reviews, approvals and monitoring of the mortgage portfolio, in coordination with Risk Management. The role focuses on managing Citi's portfolio exposure globally and driving compliance across policies and regulations.

Responsibilities include developing risk techniques, adjusting credit policies and presenting risk insights to senior management, with emphasis on analytical rigor and governance across multiple products.

Qualifications

• 7–10 years of relevant experience in credit/risk.
• Knowledge of commercial risk analytics.
• Ability to apply credit and risk principles toward business goals.
• Proven ability to manage multiple projects in a fast-paced environment.

Responsibilities

• Contribute to development of new techniques and process improvements in Risk Management.
• Develop recommendations to adjust credit policies by analyzing performance and risk appetite.
• Utilize SAS in UNIX to perform risk, financial and data analyses.
• Research risk queries and support ad-hoc policy analyses and projects.
• Develop and test credit policies, ensuring regulatory compliance.
• Prepare risk management presentations for senior leadership.

Skills

Analytical Thinking

Credible Challenge

Governance

Policy

Procedure

Regulation

Portfolio Analysis

Risk Management Lifecycle

Education

Bachelor's degree

Tools

SAS

UNIX

Job description

The Credit Portfolio Officer is an 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

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.

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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