Credit Risk Analytics Analyst II, Citi

Citi

Location:
India, Gurgaon

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

The Credit Portfolio Analyst II is an intermediate-level position responsible for conducting credit reviews, credit approval 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 clients and counterparties globally.

Job Responsibility:

Conduct risk assessments and client credit analyses, review financial results and peer analyses and prepare financial projections
Prepare green-light and transaction approval memos, conduct due diligence, build cash flow models and conduct sensitivity analyses
Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite
Assist with portfolio review preparation and conducting stress tests
Build working relationships with various teams across the bank, including deal, coverage and product teams
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
Support tactical and strategic Risk Analytics projects for Citi’s Retail Services Group in the US
Independently manage development and implementation of effective risk management strategies that help mitigate credit losses
Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes
Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies
Must be able to effectively provide updates and communicate key initiatives to senior risk management
Analyzing tests and performance using SAS and decision tree (CHAID/ CART)
Evaluating effectiveness of current policies and strategies
Must have capability to clearly develop and communicate analysis
A good understanding of Credit life cycle and Collections/Recoveries
Must have hands on expertise in developing and managing segmentation
Presentations to both technical and non-technical personnel are required to be made frequently as part of the job
Ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities
Provide insight into the data through MIS and deeper analytics
Summarize analytic reports into presentations and share analyses and reports with senior leadership

Requirements:

2+ years of experience in credit risk analysis or corporate banking
Experience in financial analysis, accounting and valuation
Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
Consistently demonstrate clear and concise written and verbal communication
Proven ability to work with little direction and in a team
Demonstrated accountability, self-motivation and business acumen
Bachelor's degree/University degree or equivalent experience
Strong analytical skills in conducting sophisticate analysis using bureau/vendor data, customer performance data and marketing data to solve business problems
Good programming skills in advanced SAS and SQL in mainframe, UNIX and PC environments
Highly proficient in Excel/pivot tables and PowerPoint
Credit card industry experience especially in an analytics or policy role is preferred
Exposure to project/process management
Strong communication and presentation skills targeting a variety of audiences
A qualified candidate needs to be able to work with cross functional teams
Creates and sustains a network of strong client relationships
Flexibility in approach and thought process
Ability to work effectively across portfolio risk policy teams and functional areas teams
Strong influencing, negotiating, and facilitation skills
Analytical mindset

Nice to have:

Master’s degree in a quantitative discipline: Mathematics, Economics, Operations Research, Statistics is preferred
Credit card industry experience especially in an analytics or policy role is preferred

Additional Information:

Job Posted:
April 23, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Credit Risk Analytics Analyst II