Mortgage Portfolio Risk Management Analyst

Citigroup Inc.; Haryana; Presencial; INR 1.200.000 - 2.000.000; Jornada completa

Descripción de la vacante

Citigroup Inc. in Haryana, India is seeking a Credit Portfolio Intermediate Analyst to review, approve and monitor mortgage portfolio risk in coordination with Risk Management. The role focuses on maintaining Citi's portfolio exposure across clients and counterparties globally.

The candidate should bring 4–7 years of relevant experience, strong knowledge of risk analytics, and proficiency in SAS within a UNIX environment to support policy development and risk reporting.

Formación

• Bachelor's degree/University degree or equivalent experience.
• 4–7 years of relevant experience.
• Knowledge of commercial risk analytics.
• Ability to apply credit and risk principles toward business goals.

Responsabilidades

• Develop new risk-management techniques and improve processes within Risk Management.
• Analyze credit and financial performance to adjust policies and set portfolio risk appetite.
• Use SAS in UNIX to perform risk, financial and data analyses.
• Research risk queries using systems and data; support ad-hoc risk policy analyses.
• Develop, test and optimize credit policies; ensure regulatory compliance.
• Manage risk across products and formats; prepare presentations for senior management.
• Assess risk in business decisions, ensure compliance with laws and Citi policies; escalate control issues.

Conocimientos

Credit risk analytics

Risk principles

SAS

UNIX

Data analysis

Educación

Bachelor's degree

Herramientas

SAS

UNIX

Descripción del empleo

The Credit Portfolio Intermediate Analyst is an intermediate-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

• 4-7 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: 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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