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Credit Portfolio Officer

India, Haryana · Job Posted March 05, 2026
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Job Description

The Credit Portfolio Officer is a senior-level position responsible for leading activities including credit review, credit approvals 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 client and counterparties globally.

Job Responsibility

  • Develop framework for portfolio risk assessment including evaluation of credit and financial performance across varied lending products and industry segments
  • Understand applicable credit policies, industry regulations and the requisite impact of those governance items to prospective new partners or product initiatives
  • Establish and leverage cross-functional partnerships and network with key internal and external constituencies
  • Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, forecasting and new program due diligence
  • Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity
  • Has the ability to operate with a limited level of direct supervision
  • Can exercise independence of judgement and autonomy
  • Acts as SME to senior stakeholders and /or other team members
  • 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

Requirements

  • 6-10 years of experience in credit card risk management or equivalent training and experience preferably in the financial services industry
  • Proven ability to apply credit and risk principles toward business goals
  • Demonstrated ability to synthesize and prioritize
  • Proven ability to remain organized in a fast-paced environment
  • Demonstrated interpersonal, organizational and analytic skills
  • Bachelor's degree/University degree or equivalent experience
  • Master's degree preferred
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