Credit Risk Analytics- Lending

4 days ago

Gurgaon, Haryana, India Citi Full time ₹ 20,00,000 - ₹ 25,00,000 per year

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

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.

  • Credit Risk Analytics- Consumer ECM

    5 days ago

    Gurgaon, Haryana, India Citi Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    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...

  • Analyst - Credit Risk / Commercial Lending

    2 weeks ago

    Gurgaon, Haryana, India NLB Services Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    ExperienceEvaluate financial performance of companies /borrower / guarantor across all segments and class based on a variety of factors including past and current performance, management projections and market changes over the period.This would include review of various financial statements, such as balance sheet, income statement, cash flows, and statement...

  • Risk Analytics Manager

    1 week ago

    Gurgaon, Haryana, India EXL SERVICES Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    Manager Job Description: A successful candidate would work as an EXL consultant with a leading US Financial Services Organization on an unsecured lending portfolio. The job will require the consultant to work on: · Support tactical & strategic risk analytics initiatives for US based banks' Risk team · Develop risk policy for Point of Sale (POS) lending,...

  • Director-Credit Risk Analytics

    22 hours ago

    Gurgaon, Haryana, India American Express Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new...

  • Director - Credit Risk Analytics

    21 hours ago

    Gurgaon, Haryana, India American Express Full time ₹ 1,00,00,000 - ₹ 3,00,00,000 per year

    At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new...

  • Credit Risk Data Analytics

    2 weeks ago

    Gurgaon, Haryana, India AMERICAN EXPRESS Full time ₹ 20,00,000 - ₹ 25,00,000 per year

    At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new...

  • Analyst - Credit Risk Analytics

    2 weeks ago

    Gurgaon, Haryana, India American Express Full time ₹ 6,00,000 - ₹ 18,00,000 per year

    At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new...

  • Analyst - Credit Risk Analytics

    2 weeks ago

    Gurgaon, Haryana, India American Express Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new...

  • Lead - Portfolio Risk Analytics- Vehicle Loan - NBFC

    5 days ago

    Gurgaon, Haryana, India People Konnect Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    Role - Lead risk Analytics -TW or Auto loansLarge - NBFCLocation- GurgaonRole Requirement- MBA/Btech/MSc5-10 years of work experience in Risk analyticsfor TW/CD/Credit Card/PL/Auto in Bank/NBFC/FintechDeep Risk Data Analyticsin any of the consumer lending products at large scaleUnderstanding and experience of TW lending products would be preferredStrong...

  • Credit Analyst

    7 days ago

    Gurgaon, Haryana, India Fia Technology Services Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Role & responsibilitiesJob Description:We are seeking a detail-oriented and analytical Credit Analyst to join our dynamic team at [FIA Technology] . As a Credit Analyst, you will play a critical role in assessing the creditworthiness of potential borrowers, managing risk, and optimizing our lending portfolio.Responsibilities:Conduct thorough financial...