
Credit Risk Analytics- Consumer ECM
2 days ago
The Credit Portfolio Officer is a senior-level position responsible for leading activities including credit review, credit approvals 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 client and counterparties globally.
Responsibilities:
- Develop framework for portfolio risk assessment including evaluation of credit and financial performance across varied lending products and industry segments
- Understand applicable credit policies, industry regulations and the requisite impact of those governance items to prospective new partners or product initiatives
- Establish and leverage cross-functional partnerships and network with key internal and external constituencies
- Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, forecasting and new program due diligence
- Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity
- Has the ability to operate with a limited level of direct supervision.
- Can exercise independence of judgement and autonomy.
- Acts as SME to senior stakeholders and /or other team members.
- 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+ years of experience in credit card risk management or equivalent training and experience preferably in the financial services industry
- Proven ability to apply credit and risk principles toward business goals
- Demonstrated ability to synthesize and prioritize
- Proven ability to remain organized in a fast-paced environment
- Demonstrated interpersonal, organizational and analytic skills
Education:
- Bachelor's degree/University degree or equivalent experience
- Master's degree preferred
This is a critical role on the THD Credit Policy team. This role will primarily focus on Consumer ECM. The role is critical to driving sustainable growth and ensuring performance within Risk Appetite.
- 10+ years of experience with analytical or data manipulation tools (e.g., SAS, SQL, R, SPSS)
- Experience with econometric and statistical modeling or application risk scoring
- Experience in big data with knowledge of probabilities/distributions, building decision trees and regression models
- Proficiency in MS Office
- Proven ability to derive patterns, trends and insights, perform risk/reward trade-off analyses and connect these analytics to business impacts
- Demonstrated quantitative, presentation and analytic skills
- Consistently demonstrate clear and concise written and verbal communication
Job Family Group:
Risk Management
Job Family:
Portfolio Credit Risk Management
Time Type:
Full time
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
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.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.
View Citi's EEO Policy Statement and the Know Your Rights poster.
-
Gurgaon, Haryana, India Skill Ventory Full timeRoles and Responsibilities Qualifications-Graduate / Post Graduate Degree in Engineering/Economics/Statistics/Management Experience-4+ years of Data analytics experience in Financial Services/Fintech preferably in Lending and Risk domain for BNPL/Credit Card/ Personal Loan Best in the industry CTC-Best in the industry Functional Competencies- Hands-on...
-
Credit Risk Management Specialist
2 days ago
Gurgaon, Haryana, India beBeeRiskmanagement Full time ₹ 15,00,000 - ₹ 20,00,000Job Title: Credit Risk Management SpecialistRole SummaryThis role involves overseeing and managing credit risks, ensuring compliance with relevant policies and regulations. You will be responsible for maintaining a robust credit risk management framework and providing assurance to senior management on control-based activities.Key ResponsibilitiesMaintain an...
-
Credit Risk Manager
3 days ago
Gurgaon, Haryana, India beBeeRiskManager Full time ₹ 73,20,000 - ₹ 1,18,68,000Job DescriptionWe are seeking a seasoned Credit Strategist to join our team. The ideal candidate will have expertise in retail secured lending, specifically in the Loan Against Property (LAP) business. This role requires a deep understanding of credit strategy and risk management, as well as experience in policy formulation, governance, and portfolio...
-
08/08/2025 Head - Credit Card Risk Analytics
4 weeks ago
Gurgaon, Haryana, India Skillventory Full timeJob DescriptionPosition Responsibilities :-- Drive next generation of analytical solutions in Credit Cards :-- Revamp Acquisition Rules to drive profitable and risk-adjusted growth- Enhance Card Limit assignment framework- Identify cohorts and segments to drive acquisition volume for various sourcing channels and key co-brand partners- Drive Portfolio...
-
TVS Credit
3 weeks ago
Gurgaon, Haryana, India TVS Credit Services LTD Full timeJob Purpose:This role is responsible for building, sustaining, and enhancing relationships with manufacturers/ OEMs to drive overall revenue growth. Also, will support sales teams in developing strategies to increase market share and profitability in alignment with the annual business plan and long-term business objectives.Key Responsibilities:-...
-
Senior Credit Risk Advisor
3 days ago
Gurgaon, Haryana, India Targray Full timeis a major international provider of sustainable commodities and supply chain solutions with a leading presence in the and sectors Established in 1987 in Montreal Canada the Company has been headquartered in the nearby city of Kirkland since 2008 It operates branch offices warehouses and rail terminals in the U S Switzerland Germany Czech...
-
Risk Analytics- Collections
4 days ago
Gurgaon, Haryana, India Citi Full time US$ 1,50,000 - US$ 2,00,000 per yearThe Credit Portfolio Intermediate 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...
-
Credit Analytics Professional
3 weeks ago
Gurgaon, Haryana, India Oaknorth Full timeJob Description- Developing detailed financial model comprising transaction details, financial statement analysis, projections, ratio analysis, credit metrics, amongst others- Conducting detailed analysis of loan opportunities across various sectors in different geographies- Conducting sensitivity analysis on projections - for stress testing on loans for...
-
Risk Manager Leadership Position
2 days ago
Gurgaon, Haryana, India beBeeRiskManagement Full time ₹ 1,50,00,000 - ₹ 2,00,00,000Job Opportunity:We are seeking an accomplished Risk Manager to lead our consumer risk strategy and drive financial stability and growth.Key Responsibilities:Develop and implement effective risk management strategies to ensure the company's financial stability and growth.Collaborate with cross-functional teams to identify and mitigate potential risks.Analyze...
-
Business Analyst with Credit Risk
2 weeks ago
Gurgaon, Haryana, India Evalueserve Private Limited Full timeJob DescriptionRole & responsibilitiesIndependently manage medium to large projects through the lifecycle and use BA tools proficiently (business requirement documents, functional specification documents, data matrix, Workflow Diagrams etc.)- Run test management processes for medium to large scale projects (Test Strategy/Approach documentation, managing User...