CrawlJobs Logo

Credit Portfolio Senior Manager

https://www.citi.com/ Logo

Citi

Location Icon

Location:
India , Gurugram ▼

Category Icon
Category:
Finance

Job Type Icon

Contract Type:
Not provided

Salary Icon

Salary:

Not provided
Save Job
Save Icon
Apply Position

Job Description:

This position is within Citi’s USPB In-Business Unsecured Lending Risk. This role will develop, implement and monitor credit policy strategies and capabilities for new account originations across the Unsecured lending portfolios (Cards, Personal Loans, Merchant Installment Loans, Lines of credit). You will be responsible for ensuring that credit strategies are analytically sound, compliant with regulatory expectations, and aligned with bank’s risk appetite and growth objectives.

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 proposals
  • 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
  • Ensuring strategies are executed in a strong control environment

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

Nice to have:

  • An experienced credit policy manager – who has the vision and can adapt to changing technology and the demands of the governance and regulation
  • Creative –who can take a concept and give it shape and structure. Is not afraid to ask questions and loves playing with new ideas
  • Has good Judgment – knows when something does not add up and is not right. Has attention to details and can get into the weeds when needed
What we offer:
  • Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more
  • Paid Parental Leave Policy
  • We empower our employees to manage their financial well-being and help them plan for the future
  • Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses
  • We have a variety of programs that help employees balance their work and life, including generous paid time off packages
  • We offer our employees resources and tools to volunteer in the communities in which they live and work

Additional Information:

Job Posted:
January 06, 2026

Employment Type:
Fulltime
Work Type:
Hybrid work
Icon
Citi - All Job Offers
Job Link Share:
Copy Link Icon
Facebook Icon Twitter Icon LinkedIn Icon

Looking for more opportunities? Search for other job offers that match your skills and interests.

Briefcase Icon

Similar Jobs for Credit Portfolio Senior Manager

Senior Credit Portfolio Risk Manager

Senior management-level position leading credit risk function for unsecured lend...
Location
Location
Singapore , Singapore
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Bachelor's degree in a quantitative field such as Finance, Economics, Statistics, Mathematics, Engineering, or Computer Science
  • Master's degree or MBA preferred
  • Minimum of 8-10 years of experience in credit risk management within the financial services industry
  • Significant focus on unsecured lending
  • Proven experience in a leadership or team management role
  • Extensive experience in developing, testing, optimizing, and implementing credit strategies
  • Advanced proficiency in statistical modeling, predictive analytics, machine learning techniques, and quantitative methods for credit risk
  • Strong understanding of data warehousing, SQL, and experience with large datasets
  • Deep understanding of credit lifecycle management (origination, account management, collections), PD/LGD/EAD modeling, stress testing, and regulatory requirements
  • Expertise in analytical tools such as SAS, R, Python, SQL, and data visualization tools
Job Responsibility
Job Responsibility
  • Develop, implement, and continually refine credit risk strategies for unsecured lending products
  • Utilize advanced risk analytics and loss forecasting techniques to identify emerging trends and assess portfolio performance
  • Monitor key financial drivers and portfolio metrics to inform decision-making
  • Collaborate with product, marketing, finance, and operations teams to align risk strategies with business objectives
  • Lead the development, validation, and implementation of predictive credit risk models, scorecards, and decision engines
  • Oversee data management practices for credit risk
  • Lead, mentor, and develop a team of risk analysts and specialists
  • Build and maintain strong relationships with internal stakeholders across various departments
  • Lead the end-to-end process of developing new credit strategies
  • Design and execute champion/challenger tests and other experimental designs
What we offer
What we offer
  • Extensive on-the-job training and exposure to senior leaders
  • Traditional learning opportunities
  • Chance to give back and make a positive impact through volunteerism
  • Resources to meet unique needs
  • Empowerment to make healthy decisions
  • Support for managing financial well-being and planning for future
  • Fulltime
Read More
Arrow Right

Credit Portfolio Senior Analyst

The Credit Portfolio Senior Analyst is an intermediate-level position responsibl...
Location
Location
Poland , Warsaw
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Bachelor's degree/University degree or equivalent experience
  • 5-8 years of relevant experience in corporate or commercial risk management
  • Knowledge of commercial risk analytics
  • Ability to apply credit and risk principles toward business goals
  • Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
  • Proven ability to remain organized in a fast-paced environment, managing multiple projects
  • Proven interpersonal, organizational and analytic skills
  • Proven knowledge of IFRS, local accounting standards, leveraged lending regulatory requirements
  • Fluency in Polish and English
Job Responsibility
Job Responsibility
  • 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
  • Utilize Statistical Analysis System (SAS) in a UNIX environment 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
  • Participate in developing, testing, and optimizing credit policies and procedures, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives
  • 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 the Bank, 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
  • Active participation in Early Warning Processes including quarterly financial monitoring and assessment of credit risk profile of client and exposures regarding regulatory requirements (i.e. stage or internal classification)
  • Active participation in improvement of credit process and procedures
What we offer
What we offer
  • Job contract and social benefits (private medical care, fitness card, life insurance, pension programme, co-financing of cultural and entertainment events)
  • Access to e-learning platform (Degreed) as well as English learning platform
  • Possibility to gain globally appreciated work experience
  • Friendly and supportive culture and team
  • Flexible and partly-remote working conditions
  • Fulltime
Read More
Arrow Right

Senior Credit Manager

Solaris is a tech company with a full German banking license. Our Banking-as-a-S...
Location
Location
Germany , Berlin
Salary
Salary:
Not provided
solarisbank.com Logo
Solarisbank
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Educational degree, ideally with a focus on economics, business administration, banking or a comparable qualification
  • 5 + years of relevant work experience in credit risk management in a bank or financial institution
  • At least 2 years of experience in credit underwriting
  • Experience of financial products with respect to credit loans, process setup and loan documentation processes, credit risk management and/or credit structuring
  • Experience in regulatory requirements for respective focus area
  • Fluent English language skills
  • Hands-on and “driving the change”-mindset
  • Reliable, solution-oriented, independent working method
  • Used to working under pressure / on tight deadlines
  • Stakeholder management for multiple tasks and good communication skills
Job Responsibility
Job Responsibility
  • Manual Underwriting
  • Structure of credit transactions
  • Assessing and approving credit transactions in line with OHB and external regulatory framework
  • Perform, optimize and maintain the credit approval process
  • Setup and maintain (manual) credit file management
  • Review/update credit files regularly
  • Automated Underwriting
  • Assist in setting criteria for Decision Engine
  • Align conceptual consistency of underwriting principles
  • Credit Portfolio Steering
What we offer
What we offer
  • Competitive salary and a variable remuneration program
  • Home office budget
  • Learning & development budget of €1000 per year and a transparent growth framework to support your career goals
  • Monthly meal allowance
  • Deutschland ticket subsidy
  • 28 vacation days, increasing by 2 days after 2 years and 3 days after 3 years with Solaris
  • Opportunity to work abroad for up to 12 weeks per year
Read More
Arrow Right

Credit Portfolio Senior Risk Analyst

The Portfolio Credit Risk Management role oversees portfolio risk management act...
Location
Location
Singapore , Singapore
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 2-5 years relevant experience
  • Basic understanding of risk management principles
  • Experience utilizing quantitative methods for stress scenarios
  • Strong problem-solving capabilities, attention to detail, and a proactive attitude
  • Ability to remain organized in a fast-paced environment, managing multiple projects
  • Ability to work under pressure, multi-task and prioritize to meet deadlines
  • Highly proficient in MS Office – (Excel, Word, PowerPoint)
  • Proficiency in SAS is preferred
  • Bachelor's/University degree or equivalent experience
Job Responsibility
Job Responsibility
  • Develop and apply quantitative strategies for managing stress scenarios, risk exposures, and loss forecasting
  • Contribute to the quarterly submissions for IFRS9 provisioning process, work with finance stakeholders to ensure timely submission of the provision numbers
  • Contribute to the quarterly/annually submissions for Stress Testing, regulatory and non-regulatory (CCAR/ICAAP/IWST) submission for loss forecasting
  • Manage stress test for the entire credit spectrum across multiple products (retail) and prepare risk management presentations for senior management
  • Analyze model outputs and relate to portfolio and macroeconomic trends
  • Utilize Statistical Analysis System (SAS) to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing
  • Participate in developing, testing, and optimizing statistical risk models, ensuring consistency and regulatory compliance for the purpose of loss forecasting and/or IFRS9 provisioning with Model Developers
  • Perform Model Monitoring, Validations as per Model Risk Management Guideline
  • Manage IFRS9 provisioning for the entire credit spectrum across multiple products and prepare risk management presentations for senior management
  • Appropriately assess provision adequacy safeguarding Citigroup and it's 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
What we offer
What we offer
  • Extensive on-the-job training and exposure to senior leaders
  • More traditional learning
  • Opportunity to give back and make a positive impact through volunteerism
  • Resources to meet unique needs
  • Empowerment to make healthy decisions and manage financial well-being
  • Global benefits
  • Fulltime
Read More
Arrow Right

Credit & Portfolio Risk Management - AVP - Transformation

The Credit Portfolio Senior Analyst is an intermediate-level position responsibl...
Location
Location
Hong Kong , Kowloon
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 5-8 years of relevant experience
  • Knowledge of commercial risk analytics
  • Ability to apply credit and risk principles toward business goals
  • Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
  • 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
Job Responsibility
  • Conduct credit reviews, credit approval and monitoring the portfolio to identify credit migration
  • Contribute to the development of new techniques and improvement of processes and work-flows
  • Develop recommendations to adjust credit policies
  • Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses
  • Research customer and/or management queries using risk systems and data
  • Participate in developing, testing, and optimizing credit policies
  • Manage risk levels for the entire credit spectrum across multiple products and retail formats
  • Prepare risk management presentations for senior management
  • Appropriately assess risk when business decisions are made
  • Fulltime
Read More
Arrow Right

Credit & Portfolio Risk Management - AVP - Transformation

Citi is undergoing a Transformation to modernize and simplify the bank. The Cred...
Location
Location
Philippines , City of Taguig
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 5-8 years of relevant experience
  • Knowledge of commercial risk analytics
  • Ability to apply credit and risk principles toward business goals
  • Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
  • 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
Job Responsibility
  • Conduct credit reviews, credit approval and monitoring the portfolio to identify credit migration
  • Contribute to the development of new techniques and improvement of processes and work-flows
  • Develop recommendations to adjust credit policies
  • Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses
  • Research customer and/or management queries using risk systems and data
  • Participate in developing, testing, and optimizing credit policies
  • Manage risk levels for the entire credit spectrum across multiple products and retail formats
  • Prepare risk management presentations for senior management
  • Appropriately assess risk when business decisions are made
  • Fulltime
Read More
Arrow Right

Credit Portfolio Senior Analyst

Citi is seeking an experienced and motivated professional to join its Risk Manag...
Location
Location
United Arab Emirates , Dubai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 5–8 years of relevant credit experience, preferably in a financial institution
  • Bachelor’s degree (or equivalent experience) in Finance, Accounting, Economics, Computer Science, or a related field
  • Intermediate to advanced proficiency in Microsoft Office tools (Excel, PowerPoint etc.)
  • Strong English written and verbal communication skills
  • Excellent time management, organizational, and analytical abilities
  • Experience with SQL and fluency in Arabic is a plus
Job Responsibility
Job Responsibility
  • Assess the effectiveness of Citi’s credit risk management practices and support identification and mitigation of credit risk across unsecured portfolios
  • Analyze credit risks by utilizing reports, scorecards, risk systems, and expert judgment
  • Evaluate moderately complex and variable credit issues with significant business impact
  • Balance potentially conflicting data sources and develop actionable credit risk strategies
  • Lead or support the preparation of Credit Portfolio Scorecards and trend analysis reports
  • Assist with Business Monitoring and Review activities
  • Prepare internal presentations for management and regulatory stakeholders
  • Promote ethical decision-making and support risk and control issue transparency across the firm
What we offer
What we offer
  • Competitive base salary (annually reviewed)
  • Hybrid working model (up to 2 days working at home per week)
  • Additional benefits supporting well-being, living well, and saving well
  • Fulltime
Read More
Arrow Right

Credit Portfolio Officer

Institutional Credit Management (ICM) works closely with our Banking & Internati...
Location
Location
Hungary , Budapest
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Degree in Finance or Accounting or higher degree in Business (MBA), or any other related subject
  • An MBA, CPA, CFA preferred, and formal credit training is a plus
  • Financial Services experience including 6+ years of credit experience in Banking or Credit Risk Management
  • Superior risk assessment skills
  • Fully conversant in credit policy and risk principles and perceived as a respected carrier of risk culture
  • Ability to recognize and address major types of risk, including market, operational and cross border
  • Solid knowledge in risk and regulatory capital issues as they relate to transactions, portfolios and businesses
  • Proactively engages team, partners and seniors to collaborate holistic client-centric approach
  • Highly Effective interpersonal skills
  • Solid organizational skills
Job Responsibility
Job Responsibility
  • Ensuring the portfolio management of applicable portfolio is consistent with industry leading practices and conforms to all internal credit procedures/policies, and all related regulatory expectations
  • Continuous engagement across ICM and with Wholesale businesses and Independent Risk senior stakeholders
  • understand any concerns regarding execution of EW / portfolio alerts and/or emerging risks which will need to be addressed by the team
  • Execute plans, strategy and objectives for EWCM / PMLE in an effective and innovative fashion
  • assess and report progress in meetings objectives including promotion of a healthy working culture
  • Partner with applicable global, regional and industry stakeholders across ICM and within WCR and Independent Risk in the design and calibration of metrics and indicators for EW and Portfolio Health, and credit monitoring standards for applicable portfolios
  • Assist in retaining talent
  • participate in budget development and monitoring of expenses
  • Assist as Subject Matter Expert in developing/enhancing Learning, Develop and Training for EWCM and PMLE
  • participate as guest speakers
  • Fulltime
Read More
Arrow Right
Jobs by Category
Art and Entertainment Jobs Banking Jobs Call Center Jobs Construction Jobs Consulting Jobs Customer Service Jobs Education Jobs Energy Jobs Finance Jobs Gastronomy Jobs Health and Beauty Jobs Hospitality and Tourism Jobs Human Resources Jobs Insurance Jobs IT - Administration Jobs IT - Software Development Jobs Legal Jobs Logistics Jobs Manufacturing Jobs Marketing, Digital Marketing, SEO, SEM Jobs Media Jobs Nursing Jobs Office Administration Jobs Pharmacy Jobs Physical Work Jobs Public Relations Jobs Public Sector Jobs Purchasing Jobs Quality Control Jobs Real Estate Jobs Research and Development Jobs Sales Jobs
Job Positions Jobs by Country
United States Jobs United Kingdom Jobs India Jobs Canada Jobs Australia Jobs Germany Jobs Ireland Jobs Poland Jobs
Company
Blog About Us Contact
Follow Us
Facebook
X (Twitter)
LinkedIn
Instagram
CrawlJobs Group
ITFlashcards AllDevBlogs
© 2026 CrawlJobs Ltd. All Rights Reserved
Terms & Conditions Privacy Policy