Credit Portfolio Consultant Job at Wells Fargo (Bengaluru)

Structured Credit and Real Estate Underwriting

The Assistant Vice President will hold a critical role within the Structured Cre...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

6+ years of credit, portfolio management or structuring experience in a financial institution, rating agency, financial guarantor, or asset management firm
structured credit/securitization experience is a plus
solid experience in structured products or credit analysis
knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and analysis of credit agreements and other legal documentation
strong analytical and quantitative skills with ability to perform, review or critique credit analysis on complex transactions
strong writing, presentation and interpersonal skills
strong Microsoft Office skills
modelling experience is a plus
proven ability to work with little direction and in a team
excellent attention to detail

Job Responsibility

Monitor the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers and make appropriate recommendations with the aim of identifying and mitigating credit risks
assist with classification and risk rating processes
identify data trends and deteriorating asset performance
keep abreast of industry/market developments and customer-specific events
consult with the business and underwriting on any action plans per policies
manage and report risk exposures to structured vehicles backed by various asset classes including Consumer Assets, Broadly Syndicated Loans, Middle Market Exposures within Institutional Clients Group
perform in-depth fundamental credit analysis by monitoring a company’s financial performance, risk metrics and compliance with performance triggers
responsibilities include research, credit analysis, risk rating assessment and active monitoring of the portfolio to identify credit migration
compose assigned annual review memos and generate reports as required to highlight portfolio metrics for internal and external regulators
model transactions for risk rating and stress testing purposes

What we offer

equal opportunity employer
work-life balance
opportunity to grow your career
give back to your community
make a real impact

Fulltime

Assistant Vice President - Structured Credit and Real Estate Underwriting

The Assistant Vice President will hold a critical role within the Structured Cre...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

3+ years of credit, portfolio management or structuring experience in a financial institution, rating agency, financial guarantor, or asset management firm
structured credit/securitization experience is a plus
Solid experience in structured products or credit analysis
Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and analysis of credit agreements and other legal documentation
Strong analytical and quantitative skills with ability to perform, review or critique credit analysis on complex transactions
Strong writing, presentation and interpersonal skills
Strong Microsoft Office skills. Modelling experience is a plus
Proven ability to work with little direction and in a team
Excellent attention to detail
Willingness to learn new products and programs

Job Responsibility

Monitor the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers and make appropriate recommendations with the aim of identifying and mitigating credit risks
Assist with classification and risk rating processes
Identify data trends & deteriorating asset performance
Keep abreast of industry/ market developments and customer-specific events
consult with the Business and Underwriting on any action plans per policies
Manage and report risk exposures to structured vehicles backed by various asset classes including Consumer Assets, Broadly Syndicated Loans, Middle Market Exposures within Institutional Clients Group, including derivatives exposures within the transaction
Perform in-depth fundamental credit analysis, by monitoring a company’s financial performance, risk metrics and compliance with performance triggers
Responsibilities include research, credit analysis, risk rating assessment and active monitoring of the portfolio to identify credit migration and may include assisting with quarterly portfolio reviews
Compose assigned annual review memos and generate reports as required to highlight portfolio metrics for internal and external regulators
Model transactions for risk rating and stress testing purposes

What we offer

Global Benefits
Best-in-class benefits
Work life balance

Fulltime

Senior Business Banker

The Senior Business Banker (Sr. BB) is responsible for managing and retaining Ci...

Location

United States , River Forest

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

6-10 years banking experience, preferably 5+ years in Business Banking
Business and/or Commercial Credit training preferred
Exceptional consulting skills: ability to probe, listen, clarify, and present information to advance sales transactions, deepen relationships
Demonstrated analytical skills and ability to assimilate complex financial and company operating information
This position requires the employee to register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry ("Registry") and obtain a unique identifier from the Registry before engaging in mortgage loan originator activities, to maintain and renew that registration on an annual basis, to update registration information with the Registry on a timely basis, and to provide that unique identifier to consumers as required by applicable SAFE Act regulations and Citi policies and procedures.

Job Responsibility

Develop consistent sales cadence and interactive management of the existing portfolio clients with a focus on retention, credit quality and growth
Responsible for conducting the annual review process, which entails performing site visits, collecting financial documents, and collaborating with the Credit Risk department
Enhancing the overall effectiveness, productivity, and contribution of our bankers within the assigned Market by partnership development and leadership engagement
As the senior business banker, you will be engaged as a subject matter expert and support resource for complex credit inquiries in the assigned market
Achieve desired sales production and business scorecard metrics
Use sound judgment in qualifying potential customers/deals as well as recommending the right financial solutions/products for the customer
Develops credit structure and full credit packages where the total credit exposure is greater than $1MM and/or on specialty needs
Analyze market trends and market size by integrating analytical skills and knowledge of data analysis tools and methodologies
Maintain knowledge of industry and competitive landscape and provide timely insights and advice for uncovering and enhancing business opportunities
Ensure all KYC and AML as well as other compliance norms are strictly adhered to

What we offer

medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays.

Fulltime

Senior Vice President - ICM Credit Product Strategy

CPSO team comprises senior Banking and Credit Risk SMEs along with specialized s...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Demonstrate financial services experience, including 12-15 years in Banking or FI Industry
Deep knowledge of Wholesale Credit Processes and Policies spanning the Credit Risk Value Chain
Credit Officer (CO) or demonstrating the skills aligned with that designation
Impeccable and thorough knowledge of Credit risk systems
Ability to synthetize complex information into clear, compelling presentations and well-structured analytical workbooks
Outstanding awareness and adherence to the control environment
Strategic orientation
Recognized as a skillful manager with a track record of building high performing teams
Proven culture carrier
Powerful interpersonal skills

Job Responsibility

Accountability for effective Issue Resolution & Risk Mitigation by providing design and testing support to resolve MRAs/CAPs and SIIs across Institutional Credit Management
Foster a consultative / advisory approach that challenges legacy policies, processes and promotes efficiency
Identification of governance mechanisms / controls to prevent recurrence of issues
Partnership and continuous engagement with applicable regional and industry stakeholders in ICM, Corporate Bank, Commercial Bank, Wealth and Risk for effective Issue resolution and Risk Mitigation
Identification of opportunities to reduce anomalies and establish guidelines / best practices to drive operational consistency across Business Units
Improve client experience by simplifying the implied support burdens currently borne by clients and coverage staff
Ensure on-time adoption and continued improvement of the Credit Risk Process Digitalization platforms
Identify scope to leverage new age tools (AI/ML) to optimize processes across the ICM organization
Ensure timely completion of projects within the CPSO book of work
Place additional focus on talent management by increasing completion rates of individual development plans and adoption of consistent succession planning processes across ICM

What we offer

Global benefits designed to support well-being, growth and work-life balance

Fulltime

Portfolio Credit Risk Management 2nd LOD Sr. Lead Analyst

Citibank, N.A. seeks a Portfolio Credit Risk Management 2nd LOD Sr. Lead Analyst...

Location

United States , Fort Lauderdale

Salary:

177200.00 - 179000.00 USD / Year

Citi

Expiration Date

April 01, 2026

Requirements

Bachelor’s degree, or foreign equivalent, in Finance, Economics, Statistics, Mathematics, Actuarial Science or related quantitative field
2 years of progressive, post-baccalaureate experience as a Corporate Audit Consultant, Credit Portfolio Manager, Market Risk Officer, Market Risk Measurement Consultant or related position involving credit risk management for a large financial institution
2 years of experience must include: Model development and documentation
Financial modeling
Consumer risk management, policy and procedures
and Capital requirements and regulations

Job Responsibility

Coordinate ongoing model performance monitoring and review the results and performance metrics
Prepare reports to senior management on model results, overlays, sensitivity analysis, and model performance monitoring reviews and contribute to informed decision on capital adequacy
Create and maintain automation tools for forecast and performance analysis of models
Analyze forecasted results and trend, and generate cycles and scenarios comparisons
Oversee Management Information System (MIS) generation and Ongoing Performance Assessment (OPA) highlighting the results to the first-line, in-business teams
Develop models used for Comprehensive Capital Analysis and Review (CCAR) and collaborate with front lines in root cause analysis for under or over predictions
Responsible for documentation, renewal, back-testing, monitoring and governance of global CCAR models
Analyze business outlook overlays and integrate quarterly capital analysis reviews
Implement model overlay policies and guidelines for CCAR processes
Participate in macro-variable (MEV) sensitivity analysis and Enterprise Climate Risk stress test processes for CCAR models to explain variables that impact on the forecasted losses

What we offer

medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
discretionary and formulaic incentive and retention awards

Fulltime

Senior Credit Risk Solutions Specialist

We are seeking an experienced Credit Risk Solutions Specialist to be our subject...

Location

Salary:

Not provided

Oscilar

Expiration Date

Until further notice

Requirements

5-8 years of hands-on experience in credit risk, underwriting, or lending operations
Direct experience implementing or managing credit decisioning systems
Background working with credit bureaus, scorecards, and policy rules
Experience in fintech, digital lending, or credit technology preferred
Track record of successful customer implementations or consulting
Strong understanding of credit decisioning workflows and underwriting logic
Experience with credit data sources (bureaus, bank data, alternative data)
Proficiency in data analysis and basic SQL for credit portfolio analysis
Familiarity with credit regulations and fair lending requirements
Understanding of credit scoring models and risk segmentation

Job Responsibility

Build end-to-end credit decisioning workflows using Oscilar's platform for various lending products
Configure credit scorecards, policy rules, and decision strategies for customer implementations
Design integrations with credit bureaus, bank data providers, and alternative data sources
Create reusable templates for common credit use cases (personal loans, BNPL, SMB lending)
Test and validate credit workflows ensuring accuracy and compliance
Document credit solutions and create implementation guides
Work hands-on with customers to implement credit decisioning strategies
Configure AI models for income verification, affordability assessment, and risk scoring
Troubleshoot credit workflow issues and optimize performance
Collaborate with engineering on credit-specific feature requirements

What we offer

Competitive salary and equity packages, including a 401k plan
Remote-first culture — work from anywhere
100% Employer covered comprehensive health, dental, and vision insurance with a top tier plan for you and your dependents (US)
Unlimited PTO policy
AI First company
both Co-Founders are engineers at heart
and over 50% of the company is Engineering and Product
Family-Friendly environment
Regular team events and offsites
Unparalleled learning and professional development opportunities

Fulltime

New

Healthcare Portfolio Manager - Analyst

Wells Fargo is seeking an Analyst in Commercial Banking Specialized Industries -...

Location

United States , Charlotte

Salary:

77000.00 - 121000.00 USD / Year

Wells Fargo

Expiration Date

March 25, 2026

Requirements

2+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Strong analytical skills including analyzing complex data
Ability to perform in depth commercial financial statement analysis
Knowledge and understanding of debt and equity capital markets
Underwriting experience
Intermediate Microsoft Office skills, including using Excel for financial analysis and projection modeling
Excellent verbal, written, and interpersonal skills, including ability to present to decision makers and customers in a professional and confident manner
A BS/BA degree or higher

Job Responsibility

Research complex financial and credit information for commercial businesses according to business unit standards
Assist with due diligence, credit analysis, industry and business risk analysis, and financial modeling and projections in support of decision-making activities of loan underwriting, origination and structuring for Middle Market and Mid-Corporate sized healthcare companies
Exercise independent judgement while developing understanding of function, policies, procedures, and compliance requirements
General responsibilities include working with risk, relationship managers, and credit to originate, monitor, and grow relationships
Specifically accountable for credit underwriting and origination, portfolio monitoring, renewals, and annual reviews
Collaborate and consult with internal and external stakeholders to understand credit needs and represents the bank in developing and maintaining client relationships

What we offer

Health benefits
401(k) Plan
Paid time off
Disability benefits
Life insurance, critical illness insurance, and accident insurance
Parental leave
Critical caregiving leave
Discounts and savings
Commuter benefits
Tuition reimbursement

Fulltime

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Commercial Banking Portfolio Management Associate Manager

Wells Fargo is seeking a Commercial Banking Portfolio Management Associate Manag...

Location

India , Bengaluru

Salary:

Not provided

Wells Fargo

Expiration Date

March 26, 2026

Requirements

2+ years of Commercial Banking Portfolio management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
1+ years of leadership experience

Job Responsibility

Supervise entry to mid-level individual contributors with less work complexity and risk in Commercial Banking Portfolio (CIB) management functional area
Ensure credit execution is consistent and aligned with required credit policies and processes
Support and drive adoption of new credit policies and related changes across the team
Identify and recommend opportunities for process improvement and risk control development in the Commercial Banking Portfolio management functional area
Make day to day supervisory and tactical decisions and resolve issues related to team supervision, work allocation and daily operations under direction of Commercial Banking Portfolio management leveraging interpretation of policies, procedures, and compliance requirements
Support in execution of policy changes
Collaborate and consult with Commercial Banking Portfolio management peers, colleagues, and more experienced managers
Coach and develop credit team
Manage allocation of people and financial resources for Commercial Banking Portfolio management
Mentor and guide talent development of direct reports and assist in hiring talent

Fulltime

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Credit Portfolio Consultant

Wells Fargo

Location:
India , Bengaluru

Category:
Finance

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Nice to have:

Additional Information:

Job Posted:
March 19, 2026

Expiration:
March 19, 2026

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