Credit Portfolio Analyst II Job at Citi (Mumbai)

Credit Portfolio Analyst II

Citi

Location:
India , Mumbai ▼
Pune

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

The Credit Portfolio Analyst II is responsible for the end-to-end management and continuous validation of all post-implementation processes and ongoing production monitoring for customer-facing credit risk platforms. This role ensures that technology solutions, once deployed, perform effectively and align with both regulatory requirements and business objectives. The role includes validating model and platform performance, identifying areas for optimization, and ensuring stability, reliability, and scalability of systems in production.

Job Responsibility:

Perform the validation of all customer-facing credit risk platforms post-deployment, ensuring that they function as intended, align with business strategies, and meet regulatory requirements
development and execution of post-implementation validation frameworks, focusing on model performance, rule accuracy, and platform effectiveness across all credit risk decisioning systems
partner with risk management, IT, and operations teams to assess potential vulnerabilities, gaps, or deficiencies in system performance and address them promptly
support to establish a robust framework for ongoing production monitoring of credit risk platforms, ensuring proactive identification and resolution of system performance issues
implement real-time and batch monitoring processes that assess credit risk platforms’ operational performance, data integrity, and customer impact across various product lines
ensure timely resolution of production issues, including the identification of root causes, formulation of solutions, and collaboration with technology teams to implement necessary fixes or enhancements
ensure all customer-facing credit risk platforms perform reliably in production, minimizing any negative impact on the customer experience due to system errors, downtimes, or performance issues
support initiatives to continuously improve platform stability, reducing risk to customers and ensuring the organization’s credit risk models and rules are consistently delivering accurate decisions
engage with business stakeholders to understand customer needs and expectations, ensuring production systems evolve to meet them efficiently and effectively
ensure all post-implementation validation and production monitoring activities meet regulatory and compliance requirements, including alignment with policies related to credit risk, data usage, and customer protection
develop and maintain documentation and audit trails that demonstrate compliance with regulatory expectations for system validation and ongoing monitoring, particularly in highly regulated environments
collaborate with internal audit, compliance, and regulatory bodies to provide transparency into the post-implementation performance of credit risk platforms
enhance the governance and control frameworks for credit risk platforms, with a focus on operational risk management in production environments
implement ongoing risk assessments to identify and mitigate emerging risks in production systems, ensuring that customer-facing platforms maintain stability and performance standards over time
collaborate with cross-functional teams to ensure that all risk controls are integrated into the monitoring process and that issues are escalated appropriately

Requirements:

Bachelor’s degree in information technology, Business, Risk Management, or a related field
2+ years of experience in risk management, technology operations, or production monitoring in corporate banking/financial institutions
knowledge of corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution
basic understanding of credit risk management, technology platforms, and operational risk controls, particularly in the context of post-implementation processes
familiarity with modern monitoring tools, risk management frameworks, and production systems used to assess technology performance in real-time (SAS/Tableau/AI/Oracle) supported by relevant programming skills
statistical knowledge – familiar with key statistical metrics/concepts
knowledge of regulatory requirements related to credit risk, data management, and customer-facing platforms, ensuring alignment with post-implementation and monitoring processes
strong strategic thinker with the ability to anticipate production challenges and operational risks in post-implementation environments, developing robust solutions that enhance system performance
experience in problem-solving complex operational issues, leveraging cross-functional expertise, and driving long-term improvements in production systems
strong analytical skills in conducting analysis using bureau/application/customer data to identify anomalies and adverse trends
ability to communicate system performance, risks, and monitoring insights to senior leadership, technology teams, and business partners
proven ability to remain organized in a fast-paced environment
clear and concise written and verbal communication skills
demonstrated accountability, self-motivation and business acumen

What we offer:

Equal opportunity employment
support for people with disabilities
best-in-class benefits for employees to be well, live well and save well

Additional Information:

Job Posted:
July 23, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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