Mortgage Portfolio Risk Management - Vice President

Citi; Gurugram District; On-site; INR 7,662,835 - 11,494,252; Full time

Job summary

Citi is seeking a senior-level Credit Portfolio Officer based in Gurugram District, India. This role involves conducting credit reviews and managing Citi's portfolio exposure globally. The position requires 10-13 years of relevant experience and expertise in commercial risk analytics.

The Credit Portfolio Officer will work flexible hours, from 1PM to 10PM, and is responsible for developing credit policies, performing risk analyses using SAS, and managing compliance with laws and regulations.

Qualifications

• 10-13 years of relevant experience.
• Knowledge of commercial risk analytics.
• Demonstrated ability to synthesize, prioritize and drive results.
• Proven interpersonal, organizational and analytic skills.

Responsibilities

• Contribute to the development of new techniques and improvement of processes.
• Develop recommendations to adjust credit policies.
• Utilize SAS in UNIX for risk and financial analyses.
• Manage risk levels across multiple products and prepare presentations.

Skills

Commercial risk analytics

Credit principles application

Project management

Organization in fast-paced environment

Interpersonal skills

Analytic skills

Education

Bachelor's degree or equivalent experience

Tools

SAS

UNIX

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.

Shift: Flexible to work in 1PM to 10PM. Time Type: Full time.

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 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

• 10‑13 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.

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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