CITI India - Credit Portfolio Analyst

Credit Portfolio Analyst

Primary Location- Gurgaon, India

Job Category- Risk Management

The 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 globally. This critical position is part of India Mortgage Risk Management team - the team manages the risk / reward tradeoffs across various initiatives and ensures that portfolio performance is within the approved credit benchmarks.

Responsibilities:

- The incumbent will assist the Mortgage Risk Management team in monitoring & enhancing existing credit policy framework by using various analytics tools and collaboration with various business stakeholders.

- Conduct drill down analyses on Mortgage portfolio to isolate specific trends which need to be addressed and ensure portfolio performance is within benchmarks

- Interface with Credit Operations, Collections Operations, Product & Marketing Teams & technology teams to facilitate TAT/Policy design and implementation

- Enhanced usage of Bureau information and Credit scores in Mortgage Acquisition strategies

- Support submission of various local/global reporting requirements and also review these regularly to identify any portfolio stress triggers

- Use the MIS to ensure accurate reporting processes to various stakeholders, within India and outside

- Regular reviews of MIS to identify appropriate triggers for decisions, recommend suitable policy changes and assist in the overall documentation required to maintain the policy books

- To assist the Mortgage Credit Analytics team in order to support business growth and regulatory requirement.

- Ensure quality and timely submissions on various regulatory reporting

- Regular Mortgage performance monitoring and any shifts to be highlighted immediately to senior management

- 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:

- 2-5 years of relevant experience

- Knowledge of 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

- Utilize Statistical Analysis System (SAS) in a UNIX environment to support any data requirement.

- This position is part of the Consumer Risk Management team and core responsibilities will include managing Stress Testing and Loan Reserve requirements on behalf of GCB Credit Risk Management.

Job Family Group:

Risk Management

Job Family:

Credit & Portfolio Risk Management

Time Type:

Full time