The Credit Portfolio Analyst II 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.
Role Summary:
Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses
Support tactical and strategic Risk Analytics projects for U.S. Consumer Cards
Independently manage development and implementation of effective risk management strategies that balances the risk and reward of the portfolio
Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes
Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies.
Must be able to effectively provide updates and communicate key initiatives to senior risk management.




Analyze tests and performance using SAS and decision tree (CHAID/ CART)
Evaluate effectiveness of current policies and strategies
Responsibilities:
Must have capability to clearly develop and communicate analysis
A valuable understanding of credit life cycle
Must have hands on expertise in developing and managing segmentations
Presentations to both technical and non-technical personnel are required to be made frequently as part of the job
Ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities.
Skills:
1-3 years of relevant experience
Experienced in developing, implementing, and monitoring credit strategies or scoring models across authorizations, underwriting, existing customer management and collections
Programming skills in advanced SAS, SQL, Knowledge Studio, SAS E-miner in mainframe, UNIX and PC environments.
Highly proficient in Excel/pivo

📌 Acquisitions Credit Risk Analytics (Gurugram)
🏢 Citi
📍 Gurugram