Strategic Analytics - Assistant Vice President

Citigroup Inc.; Mumbai; On-site; INR 2,000,000 - 4,200,000; Full time

Job summary

Citigroup Inc. in India seeks a Credit Portfolio Senior Analyst to conduct credit reviews, approvals and monitor the portfolio to identify credit migration in coordination with Risk Management.

The role involves applying advanced risk principles, developing policy recommendations, and preparing presentations for senior management. 8+ years of quantitative credit risk experience, and proficiency in SAS/SQL/Oracle/Unix, Excel and PowerPoint are required.

Qualifications

• 8+ years of experience in performing quantitative analysis in Consumer Credit Risk.
• Hands on experience of Risk Strategy Development procedures and concepts, and ability to apply credit and risk principles toward business goals.
• 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.
• Proficiency in SAS/SQL/Oracle/Unix/Microsoft Word, Excel and PowerPoint.

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 utilizing statistical scoring, segmentation, and regression and simulation techniques.
• Conduct sensitivity and what-if analyses to evaluate the financial impact of pricing changes.
• 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.
• 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.

Skills

Analytical Thinking

Credible Challenge

Governance

Policy

Procedure

Portfolio Analysis

Risk Management Lifecycle

Education

Bachelor's degree or equivalent

FRM or CFA certification

Tools

SAS

SQL

Oracle

Unix

Excel

PowerPoint

Job description

The Credit Portfolio Senior Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the 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 utilizing statistical scoring, segmentation, and regression and simulation techniques
• Conduct sensitivity and what-if analyses to evaluate the financial impact of pricing changes
• 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
• 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:

• 8+ years of experience in performing quantitative analysis in Consumer Credit Risk
• Hands on experience of Risk Strategy Development procedures and concepts, and ability to apply credit and risk principles toward business goals
• 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
• Proficiency in SAS/SQL/Oracle/Unix/Microsoft Word, Excel and PowerPoint

Education:

• Bachelor's degree/University degree or equivalent experience
• FRM or CFA certification is a plus

Experience in Credit Risk Policy/Strategy and proven ability to manage and engage stakeholders across all levels of the organization.

This is an individual contributor role.

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

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