CrawlJobs Logo
Citi Logo Citi · Finance

Credit Portfolio Senior Manager

India, Bengaluru · Job Posted December 28, 2025
Apply Position
Job Link Share

Job Description

The Credit Portfolio Senior Manager is a senior management-level position responsible for accomplishing results through the management of a team or department to monitor the Citi portfolio and identify credit migration in coordination with the Risk Management team. The overall objective of this role is to lead the management of Citi's portfolio exposure to client and counterparties globally.

Job Responsibility

  • Maintain compliance with Citibank credit policies/practices, regulatory policies and prepare, update, and ensure approval of all internal policy and procedure changes, keeping proper change and approval logs
  • Conduct managerial responsibilities, including coaching/mentoring, performance management and evaluation (including managing the Review the Reviewer process), work assignment management and resource/capacity management, monitoring and escalating as needed
  • Continuously identify process improvements and efficiencies to support business unit goals through dissecting issues and making recommendations
  • Monitor daily queue dashboard and production reports and address production and/or pipeline management issues, serving as a an escalation point of contact for these and SLA related issues with the goal of enhancing customer experience
  • Conduct analyses related to policy (e.g., benefits tracking), bureau and alternate credit information, risk and reward trade-off, etc. by leveraging data and creating ad-hoc analyses/management information systems (MIS)
  • Identify business opportunities, develop credit tests and risk strategies, balancing risk and return, and work with cross-functional teams to ensure flawless execution of policy tests and strategies
  • 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, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards

Requirements

  • 6-10 years of experience with analytical or data manipulation tools (e.g., SAS, SQL, R, SPSS)
  • Experience with econometric and statistical modeling or application risk scoring
  • Experience in big data with knowledge of probabilities/distributions, building decision trees and regression models
  • Proficiency in MS Office
  • Proven ability to derive patterns, trends and insights, perform risk/reward trade-off analyses and connect these analytics to business impacts
  • Demonstrated quantitative, presentation and analytic skills
  • Consistently demonstrate clear and concise written and verbal communication
  • Bachelor's degree/University degree or equivalent experience
  • Master's degree preferred

What we offer

  • Programs and services for physical and mental well-being including access to telehealth options, health advocates, confidential counseling
  • Expanded Paid Parental Leave Policy
  • Resources to manage financial well-being and help plan for the future
  • Access to an array of learning and development resources
  • Variety of programs that help employees balance their work and life, including generous paid time off packages
  • Resources and tools to volunteer in the communities
Citi - All Job Offers

Looking for more opportunities?

Search for other job offers that match your skills and interests.

Suggested Tags: Frontend Developer Secretary Talent Manager Salesforce Administrator Data Analyst
Similar Jobs for

Credit Portfolio Senior Manager

8 matching positions

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

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 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

Portfolio Credit Risk Management 2nd Line of Defense Lead Analyst

Portfolio Management Group (PMG) is risk management group covering Citi’s Bankin...
Location
Location
Poland , Warsaw
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 5+ years of experience in the financial industry, with significant exposure in developing analytical methodologies and modeling frameworks for credit risk measurement, regulatory capital and/or stress testing
  • 3+ years of prior experience in a model development or model risk management function primarily working on PD and risk rating models and methodologies
  • Knowledge of coding in R, Python, or SAS, as well as writing and/or reviewing technical documentation
  • Comprehensive understanding of quantitative and qualitative methodologies and regulatory requirements used in credit risk modeling, particularly for the capital, stress testing and reserves calculations
  • Demonstrated knowledge across various wholesale credit portfolios and products, including an understanding of financial instruments and market dynamics
  • Ability to assess complex issues through root cause analysis and other analytical techniques
  • Strong oral and written communication skills, with a proven ability to synthesize complex concepts, translate into "user friendly" language, and present effectively and persuasively in text or slide format
  • Strong analytical skills with ability to identify and communicate root causes and trends
  • Proficient in Microsoft Office, particularly Excel (metrics and data analysis), PowerPoint (presentations), and Word (documentation)
  • Ability to manage multiple priorities and tasks, highly motivated with attention to detail, team-oriented, organized, pro-active, and capable of executing effectively across businesses, functions, and geographies
Job Responsibility
Job Responsibility
  • Support risk rating model oversight activities and prepare Governance Forum reviews, including prioritization of model changes, development, and assessment of model limitations and overlays
  • Provide independent review of annual and multi-year model enhancement plans to formulate holistic opinion on these developments to aid Senior Management decisions and meet Model Users expectations
  • Build sustainable, repeatable, and automated analytics supporting centralized model and risk rating related governance, including benchmarking and independent performance analysis of risk rating and PD models
  • Perform advanced ad hoc analytics and root cause analyses to respond to regulatory and business questions and provide insights, leveraging the best market practices and knowledge on risk ratings, PD modelling and related concepts
  • Support business and independent risk analysis to provide portfolio insights, define requirements, navigating technical model and risk rating policy and process related terms and documentation
  • Partner with and support the Model Sponsors, Model Developers, Model Users in 1st and 2nd line of business and Governance Forum activities concerning Wholesale Risk Ratings models and methodologies
  • Liaise with Model Developers to implement model methodology, such as inputs and outputs, along with qualitative components and model adjustments to ensure alignment with portfolio-specific nuances and expectations
  • Collaborate closely with other functions, such as product development and technology to ensure seamless integration and execution of model and risk rating oversight and implementation activities
What we offer
What we offer
  • Private Medical Care Program
  • Life Insurance Program
  • Pension Plan contribution (PPE Program)
  • Employee Assistance Program
  • Paid Parental Leave Program (maternity and paternity leave)
  • Sport Card
  • Holidays Allowance
  • Sport and team recreation activities
  • Special offers and discounts for employees
  • Access to an array of learning and development resources
  • Fulltime
Read More
Arrow Right

Legal Entity Portfolio Manager

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 7+ 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
  • Managing the credit risk processes and systems for the detection of early signals of distress within the in-scope legal entity wholesale portfolio
  • Responsible for portfolio monitoring strategies including Portfolio Health Reviews, Risk Appetite & Limits Management and Early Warning Indicators
  • Liaising with other teams within ICM Portfolio Management, other ICM teams, Risk Management, and business partners
  • Producing recommendations to the portfolio owners that may include portfolio reviews, stress tests, risk appetite and underwriting criteria recalibrations, reclassification of facilities, risk rating changes
  • Ensuring portfolio management is consistent with industry leading practices and conforms to all internal credit procedures/policies, and regulatory expectations
  • Continuous engagement across ICM, Lines of Business and Independent Risk senior stakeholders
  • Partner with stakeholders in the design and calibration of metrics and indicators for EW and Portfolio Health
  • Execute plans, strategy and objectives for IM PMLE
  • Assist as Subject Matter Expert in developing/enhancing Learning, Develop and Training for PMLE
  • Support PMLE, ICM PM, and WCR on internal projects and initiatives
  • Fulltime
Read More
Arrow Right

Credit Portfolio Officer

Credit Portfolio Officer role in Institutional Credit Management (ICM), a critic...
Location
Location
United Kingdom , London
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Bachelor's/Master's degree in mathematics, science, finance/economics, risk management or a related field
  • Minimum of 5-7 years credit risk experience at a major financial institution
  • Experience with managing credit risk with training in finance, mathematics, risk management or quantitative fields
  • Relevant credit experience covering Real Money Funds, Asset Managers, Hedge Funds, or Financial Institutions with markets products knowledge
  • Knowledge of Funds' markets products and risk metrics
  • Credit Officer (CO) or demonstrating the skills aligned with that designation
  • Experience and familiarity with Real Money Funds, Asset Managers, Pension Funds – Industry products and relevant CCR risk measures
  • Strong analytical skills
  • Strong problem solving abilities
  • Sound risk and business judgment
Job Responsibility
Job Responsibility
  • Maintain and manage credit exposures to Real Money Funds clients including asset managers, investment advisor as agents, and pension funds
  • Approve credit reviews as a first line of defense underwriter (Credit Officer CO designation)
  • Review and approve new Funds clients at on-boarding to establish appropriate risk parameters and credit limits
  • Advise and approve large transactions or deals that require individual risk assessment
  • Analyze and monitor client portfolios to ensure that risks are controlled
  • Work with Risk colleagues on risk mitigation at both inception of transactions and on an ongoing basis
  • Partner with businesses and quantitative teams on risk measurement enhancements, margin model development, new product approvals and real-time monitoring and controls
  • Perform daily and weekly risk analysis and reporting on existing client portfolios
  • Communicate key findings to senior management and contribute to in-business risk forums
  • Put together presentations and documents for internal and external use
  • Fulltime
Read More
Arrow Right

Credit Risk Manager - Mortgages

Join us at Barclays as a Credit Risk Manager – Mortgages, where you’ll support a...
Location
Location
United Kingdom , Manchester; Northampton; Glasgow
Salary
Salary:
Not provided
barclays.co.uk Logo
Barclays
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Risk manager with portfolio risk management experience and preferably in retail secured credit
  • Ability to demonstrate experience managing end to end portfolio management activities
  • Ability to direct a technical team to perform data driven analysis and have the ability to interpret and articulate results to solve problems and identify opportunities
  • Ability to direct a team to perform analysis on SAS/SQL/ Excel and other programming languages – essential experience in coding
  • Senior stakeholder management skills and the ability to communicate effectively to both technical and non-technical audiences
  • Strong analytical and creativity skills
Job Responsibility
Job Responsibility
  • Support and help to shape the Risk team’s vision and objectives
  • Manage the day to day activities under the team’s responsibility and provide coaching and training to more junior members of the team
  • Identify and recommend changes to risk appetite, setting the annual mandate and scale limits and supporting/proposing changes to credit strategies to Senior Management and Decision Committees
  • Perform credit oversight of risk for the existing portfolio using key metrics including impairment, capital and portfolio quality measures
  • Manage and optimise the bank's overall credit risk exposure by monitoring, analysing, and reporting on the creditworthiness of its lending portfolio
  • Monitoring the financial performance and risk profile of the entire lending portfolio, including individual borrowers, sectors, and geographic regions
  • Analysis of credit trends, identify early warning signs of potential borrowers' issues, and assess the impact of economic and market developments on the portfolio
  • Development and utilisation of quantitative models and risk forecasting tools to measure and predict potential credit losses
  • Performance of portfolio stress testing exercises to assess the impact of various economic and market scenarios on the portfolio's risk profile
  • Definition and setting of portfolio, segment and customer risk appetite, policy and limits. Overseeing first line execution within these parameters
What we offer
What we offer
  • Modern workspaces, collaborative areas, and state-of-the-art meeting rooms
  • Facilities include wellness rooms, on-site cafeterias, fitness centers, and tech-equipped workstations
  • Hybrid working
  • Flexible working arrangements
  • Fulltime
Read More
Arrow Right