Senior Credit Risk Analyst

7 days ago


Mumbai, Maharashtra, India 12542 Citicorp Services India Private Limited Full time
Job Title: Senior Credit Risk Analyst

Citicorp Services India Private Limited is seeking a highly skilled Senior Credit Risk Analyst to join our team in Credit & Portfolio Risk Management. As a Senior Credit Risk Analyst, you will be responsible for conducting credit reviews, credit approval, and monitoring the portfolio to identify credit migration in coordination with the Risk Management team.

Key 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
  • 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:
  • Advanced Degree (Masters required) in Statistics, Applied Mathematics, Operations Research, Economics, MBA (Finance), or other highly quantitative discipline
  • 7+ years' experience in performing quantitative analysis in Consumer Credit Risk
  • Hands on experience of Risk Strategy Development procedures and concepts, ability to apply credit and risk principles toward business goals
  • Strong technical skills in statistical procedures is required (regression, decision trees, linear/nonlinear optimization etc.)
  • Proficiency in SAS/SQL/Oracle/Unix/Microsoft Word, Excel and PowerPoint
  • Strong communication skills to present technical information verbally and in writing to both technical and non-technical audiences is required
  • 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

Citi is an equal opportunity and affirmative action employer. Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.


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