Credit Portfolio Senior Manager, Vice President Job at Citi (Gurugram)

Credit Group Manager - Senior Vice President

Job Overview: Credit Group Manager - C14 - Staffer (Job Code: 070930). Citi cont...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10+ years risk/risk-related credit work experience in banking/financial institutions
Proven ability to effectively engage with regulators and internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit
Demonstrates strong ethics and integrity
Ability to see the 'big picture' in a complex environment
Can make decisions under pressure and short timeline
Excellent verbal & written communication skills
Active listening skills
Excellent presentation skills
Master's degree preferred

Job Responsibility

Lead execution of credit approvals, prepares and leads discussions with Risk and escalation within 1LOD
underwriting and monitoring of a portfolio of corporate clients, from early origination discussions to the development of credit approval memos and senior approval forums
Undertake comprehensive review of financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis performed by junior resources (UW analysts)
Provide Underwriting sign-off and recommendation for transactions requiring senior approval
Has industry expertise and ability to discuss relevant macro and micro issues within coverage portfolio
Partner with Front Office on structuring new transactions and negotiating legal documentation
Build strong working relationships with key partners in Banking, Risk and with key regulators, audit/control functions
Lead credit conversation with both internal and external auditors related to coverage
Manage direct reports, tracks workload and helps to find staffing solutions to bottlenecks and urgent deliverables in cooperation with Underwriters
Lead the recruiting and onboarding processes where required

Fulltime

Vice-President - Senior Credit Analyst

The ICM Senior Credit Analyst will lead the evaluation and ongoing management of...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

CA, CFA, or MBA (Finance) with 10–13 years of experience in credit risk, corporate lending, or financial research
Exceptional experience with the internal Policies, Standards, Procedures, Templates
Ability to analyze and evaluate financial statements and business plans, across a range of industrial sectors and form independent opinions on credit and emerging risks
Proficient knowledge of corporate and debt structuring, with a particular understanding of bank loan documentation
Good understanding of risk profiles of all credit products
Advanced credit analysis and corporate financial modeling
Risk assessment and quantitative analysis experience
Ability to build and maintain relationships and communication skills, both written and verbally
Ability to work autonomously, as well make meaningful contributions as part of a team
Project management skills, with a focus on Information System implementation

Job Responsibility

Lead comprehensive credit assessments, valuations, and rating assignments for complex or large exposures
Independently prepare financial models and company valuations using most appropriate methods (DCF, SOTP, Project finance, comparable company analysis, precedent transactions, etc.)
Assess liquidity, debt capacity and other areas of financial and operating performance to evaluate areas of weakness and potential for turnaround, which is measured by setting and monitoring appropriate classification triggers
Model companies' financial position to assess appropriate debt structure and accurate debt value using the most appropriate valuation methodology
Oversee and review credit papers, ensuring analytical rigor and compliance with policy standards
Monitor portfolio performance and conduct early warning analyses
Guide stress testing, sector review initiatives, and internal risk assessments
Participate in or lead credit review committees and provide insights on deal structuring and documentation
Mentor and review work of analysts across levels to maintain output quality and consistency
Ensure adherence to credit governance, internal control, and audit standards

What we offer

Access to telehealth options, health advocates, confidential counseling
Expanded Paid Parental Leave Policy
Access to an array of learning and development resources
Generous paid time off packages
Resources and tools to volunteer in the communities in which they live and work

Fulltime

New

Credit Officer - Senior Vice President

Are you looking for a career move that will put you at the heart of a global fin...

Location

United Kingdom , London

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Extensive experience in a credit-oriented role, preferably with a large multinational financial services firm
Solid experience in credit, restructuring, or remedial management with understanding of legal documentation and regulatory frameworks
Strong credit sense and ability to articulate a view, work across a range of credit products, with experience in early problem recognition and crisis resolution skills
Effective interpersonal skills, including an ability to be persuasive and build consensus on complex issues
Highly-experienced credit professional with a deep and relevant restructuring, distressed or comparable expertise
Demonstrated corporate finance, business strategy and debt structuring skills, with ability to manage complex transactions and conduct negotiations
Thorough understanding of the risk profile, structure and governing documentation for various credit and market products
Hands on experience in stressed and distressed concepts, processes, and associated internal bank accounting (e.g., valuations, cost of credit, etc.)
History of promoting a strong governance and controls environment
Excellent analytical, technical, and problem-solving skills

Job Responsibility

Lead the management of a portfolio of stressed and distressed credit exposures
Define and implement account and exposure strategies
Proactively manage evolving credit situations and workout processes
Develop and execute restructuring and remedial strategies
Drive portfolio recovery value while balancing stakeholder interests
Partner with internal teams, clients, and external advisors to deliver solutions
Provide risk oversight, challenge, and approvals in line with 2LoD responsibilities
Ensure accurate and timely risk ratings, regulatory classifications, and cost of credit actions
Provide strategic direction, transaction execution, and approval for Special Assets-managed credits
Work with Special Assets Senior Transactors, valuation team members and banking in the management and execution of the Special Assets portfolio

What we offer

Generous holiday allowance starting at 27 days plus bank holidays
increasing with tenure
A discretional annual performance related bonus
Private medical insurance packages to suit your personal circumstances
Employee Assistance Program
Pension Plan
Paid Parental Leave
Special discounts for employees, family, and friends
Access to an array of learning and development resources

Fulltime

Senior Vice President - Global Credit Reserve Sr. Lead Analyst - Risk Management

The Global Credit Reserve Team oversees the firmwide credit reserving approaches...

Location

Canada , Mississauga

Salary:

141600.00 - 212400.00 USD / Year

Citi

Expiration Date

Until further notice

Requirements

10+ years of experience
Solid knowledge and hands-on experience in risk management, especially with credit portfolios, exhibiting abilities in scrutinizing, probing, and supervising first line of defense risk management
Acumen in questioning, examining, and validating new account strategies, account management strategies, and non-scoring financial models
Familiarity with compliance protocols with a demonstrated ability to direct, assess and dispute compliance adherence
Experience in directing internal and external audits, with a strong understanding of oversight reviews, demonstrating competence in questioning and appraising audit processes
Ability to collaborate with multiple teams and departments with a focus on managing, inspecting and disputing collaborative endeavors
Comprehensive knowledge and experience in risk assessment, particularly when making business decisions demonstrating, strength in contesting, scrutinizing, and ensuring decisions maintain the firm's reputation
Proficiency in ensuring compliance with legal and regulatory requirements, demonstrating ability to dispute, assess, and supervise compliance processes
Advanced expertise in scrutinizing and evaluating complex financial data, with the capacity to make strategic decisions under review
Proficiency in credit analysis, counterparty risk, and portfolio stress testing, including the ability to predict and plan for potential market fluctuations whilst challenging these predictions

Job Responsibility

Supervise and scrutinize risk management activities related to the credit portfolio, including risk assessment, mitigation, monitoring, and reporting to ensure optimal performance
Oversee the end-to-end framework for credit reserve adequacy, carefully assessing and mitigating potential risks
Review new and enhanced modelling techniques applied for credit reserving
Conduct rigorous internal and oversight reviews, probing and investigating internal processes and controls, managing any internal audits or regulatory exams to uphold institutional integrity
Assess and analyze risk during decision making processes, using sound judgement to safeguard the firm's reputation and financial stability
Ensure firm policies are upheld, promote ethical conduct, and rigorously examine activities and processes to ensure compliance with relevant legal and regulatory requirements
Stay informed about industry trends, leverage strong communication skills to clearly relay information to various stakeholders and make complex business decisions
Monitor and adapt current practices according to the latest trends in credit risk analysis, leveraging expertise for improved forecasting and allowance calculations
Manage governance discussions to ensure reserve adequacy
Is an enthusiastic and early adopter of change

Fulltime

Corporate Credit Underwriter – Senior Vice President

The Global Leveraged Finance Underwriting Team (“LFU”) within Institutional Cred...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

13+ years of credit or related corporate credit risk experience
MBA or CA or CFA
Advanced knowledge of Microsoft Word, Excel, and PowerPoint
Thorough understanding of the credit and/or portfolio management process
Strong awareness and adherence to the control environment including Quality Assurance and Quality Control

Job Responsibility

Accountability for ensuring best in class credit risk analysis of the Core Portfolio
Regular monitoring of the portfolio through writing Annual and Quarterly reviews
Portfolio management and early problem recognition
Participation in new originations, primarily for existing relationships
Coaching and training analysts and associates to develop their credit underwriting skills
Ensuring strict adherence to Citi’s Policies/Standards/Procedures
Supervise analysts and associates to perform periodic written reviews of the clients' financial and operating performance, covenant compliance, management/relationship strategy, and competitive position within its peer group
Review and analyze models used for valuation and to forecast the client's operating and financial performance and be able to articulate assumptions and analysis to LFU Underwriters and Risk
Ensure ongoing and timely feedback and coaching of junior team to sustain a strong credit culture and an unwavering commitment to excellence in analysis and execution
Evaluate and gain strong understanding of clients' business, financial performances, and key credit drivers across various industries with the ability to raise issues and concerns as needed

Fulltime

Credit Portfolio Officer - Vice President

At Citi, we get to connect millions of people across hundreds of cities and coun...

Location

India , Gurugram

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10+ years of experience in credit risk management or lesser with relevant experience in acquisitions credit risk
Experience in the financial services industry preferred
Demonstrated accountability for delivery of a full range of services to one or more businesses/geographic regions
Consistently demonstrate clear and concise written and verbal communication
Proven negotiation skills often used at a senior level
Demonstrated ability to synthesize, prioritize and drive results with urgency
Ability to obtain support and buy-in across a wide range of internal and external audiences
Bachelor’s/University degree in statistics, mathematics, economics, or equivalent experience. Master’s/PhD degree is a plus

Job Responsibility

Support design, development & optimization of the acquisition credit policies for a $150B+ portfolio that generates 15MM new accounts annually
Perform quantitative analyses to assess risk-adjusted return, risk segmentation, and tradeoffs in acquisition policy changes
Prepare proposals and review with the stakeholders within Risk, document the effective challenge and incorporate inputs in revising the proposal
Collaborate with digital and marketing teams on channel specific underwriting policies
Partner with modeling team on new tools, machine learning and alternate data
Develop a testing framework to deploy learnings faster using repeatable playbooks and monitoring routines
Track and report on initiatives, performance results, emerging trends and opportunities to senior management
Ensure adherence to internal and external regulatory expectations
Respond to effective challenge from second line
Serve as SME for audits, model use and implementation of strategies

What we offer

Programs and services for physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more
Expanded Paid Parental Leave Policy
Access to an array of learning and development resources
Programs that help employees balance their work and life, including generous paid time off packages
Resources and tools to volunteer in the communities in which they live and work

Fulltime

Mortgage Portfolio Risk Management - Senior Vice President

Senior VP of Mortgage Analytics in US RRE Portfolio Management team unit seeks t...

Location

India , Haryana

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

15+ years of relevant experience
Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
Ability to leverage visual story-telling to share compelling stories for stakeholders at multiple executive levels
3+ years of experience in Risk Appetite Framework analytics
3+ years of experience in wholesale or retail Basel II/III and economic capital analytics or reporting
3+ years of people management experience
Proficiency in data/quantitative tools such as SAS, SQL, Python, and Tableau
Proven ability to remain organized in a fast-paced environment, managing multiple projects
Proven interpersonal, organizational, and analytic skills
Bachelor's degree/University degree or equivalent experience

Job Responsibility

Drive RAF execution, evolution, and accountability for mortgage products: Oversee the credit risk analytics processes to ensure accurate and credible risk appetite / capital ratios that can support USRB’s capital management and allocation efforts
Perform trend analysis on RAF drivers, provide explanations of any notable shift, and assist the teams in escalating the corrections if the shift is due to data quality issues
Develop state-of-the-art stochastic analytical capabilities that allow sustainable growth through multiple channels
Catalyze quantitative and qualitative innovation in the analytics space: Leverage programming/quantitative tools (SAS, Python, SQL) to mine and review big-data environments
Turn data into actionable insights through visual storytelling (Tableau, etc.)
Build and manage stakeholder network across functional and business lines: Establish and maintain on-going transparent communications with model developers to achieve in-depth full understanding of the Citi-wide RAF & capital reporting process and all the related models, calculations, and methodologies
Provide business feedback and opinion to drive appropriate practices in credit risk capital modeling for US Mortgage
Create cross-functional exchanges that promote RACA’s ability and proposition in in-business strategic management
Manage a high-performing team of quantitative analysts
Help team members build their careers while meeting business objective

Fulltime

Vice President or Senior Director, Credit Risk

KOHO is seeking an exceptional leader in Credit Risk who combines strategic visi...

Location

Canada

Salary:

225000.00 - 325000.00 CAD / Year

KOHO

Expiration Date

Until further notice

Requirements

15+ years of experience in credit risk, including 7+ years in a leadership role
Extensive expertise in consumer credit risk across the lifecycle—preferably in fintech, challenger banks, or alternative lending environments
Proven track record building credit risk functions through high growth phases
Experience managing managers and directors across modeling, strategy, and risk analytics
Expert knowledge of credit data, scoring systems, and risk governance frameworks
Proven track record influencing senior stakeholders and working cross-functionally
The ability to communicate complex credit risk concepts to diverse audiences
Hands-on experience with risk infrastructure, decision engines, and reporting tools
Excellent written and verbal communication skills with the ability to present to the Board and executive leadership
Passion for developing inclusive teams and mentoring talent

Job Responsibility

Architect and execute KOHO’s credit risk strategy across all lending products
Build and scale teams, managing multiple levels of talent responsible for credit risk modeling, strategy, reporting, and governance
Design and implement credit policies, underwriting guidelines, and credit lifecycle strategies (origination, limit management, collections, and recovery)
Define and monitor key credit risk metrics, portfolio trends, and early warning indicators
Drive data-driven decision-making in product development, pricing, and growth initiatives
Lead credit risk governance and deliver strategic insights to internal and external stakeholders including the Board, risk committees, and investors
Partner with Finance on portfolio forecasting and debt facility management
Lead regulatory examinations and maintain relationships with regulators on credit risk matters
Ensure audit readiness and regulatory compliance, including IFRS9 reporting and credit loss provisioning
Present to and advise the Board Risk Committee on credit portfolio performance, emerging risks, and strategic initiatives

What we offer

Competitive compensation & equity
Fantastic, Deeply Engaged Team
Generous vacation + Wellness days + Flex Days + holiday closure
Remote-first environment + coworking support + yearly all hands retreat
Access to coaching & growth programs
Parental top-up & leave policies
Comprehensive health benefits
Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development

Fulltime

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Credit Portfolio Senior Manager, Vice President

Job Description

Job Responsibility

Requirements

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