The Credit Portfolio Senior 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.

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
Conduct sensitivity and what-if analyses to evaluate the financial impact of pricing changes
Utilize Statistical Analysis System (SAS) in a UNIX setting 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
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:

8+ years of experience in performing quantitative analysis in Consumer Credit Risk
Hands on experience of Risk Strategy Development procedures and concepts, and ability to apply credit and risk principles toward business

📌 Strategic Analytics (Mumbai)
🏢 Citi
📍 Mumbai