Credit Risk Analytics Job at Citi (Mumbai)

Credit Risk Analytics - Assistant Vice President

The Credit Portfolio Senior Analyst is an intermediate-level position responsibl...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

7+ years of relevant experience
Knowledge of consumer risk analytics and credit abuse
Prior experience in Python is an added advantage
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

Contribute to the development of new techniques and improvement of processes and work-flows
Develop recommendations to adjust credit policies by analyzing credit and financial performance
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

Credit Risk Analytics Analyst II

The Credit Portfolio Analyst II is an intermediate-level position responsible fo...

Location

India , Gurgaon

Salary:

Not provided

Citi

Expiration Date

Until further notice

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

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

Fulltime

Credit Risk Analytics - USPB Collections - Vice President

The Credit Portfolio Officer is a senior-level position responsible for leading ...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

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/Master's degree/University degree or equivalent experience
Master's degree preferred

Job Responsibility

Help in development of reporting framework for USPB collections across all LoBs
Monitor monthly trends for insights and work proactively on enhancement of the reporting platform
Understand USRB policies and deep-dive to find any gaps
Work with controls team for sizing/fixing and remediation and also putting on compensating controls
Understand collections strategies and work on enhancements/Lead end to end strategic initiates
Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses
Prepare risk management presentations for senior management
Acts as SME to senior stakeholders and/or other team members
Appropriately assess risk when business decisions are made

Fulltime

Operational Risk Manager - Processing Risk Analytics Director

The Processing Risk Analytics Director is responsible for developing and impleme...

Location

United Kingdom , Belfast

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Significant experience with the extraction and analysis of both large and small, complex data sets
working knowledge of statistics and relational databases
experienced in Operational Risk
knowledge of other risk disciplines (market risk, credit risk) is a plus
demonstrated analytical ability
familiar with using and developing taxonomies to clarify causes, impacts, themes
track record in developing and implementing new ideas to mitigate risk and improve current processes
effective communicator able to gain senior colleague/client commitment
track record of managing global teams
operates as a leader with an understanding and appreciation for diverse backgrounds

Job Responsibility

Update and implement Processing Risk Policy, Standards and Procedures
partner with the 1st line of defense to maintain and enhance Key Indicators
develop holistic ways to measure Processing Risk
facilitate accurate reporting of operational risks to senior management and the Board of Directors
analyze operational risk data to identify high-risk areas
identify root causes of losses and ensure mitigation actions
summarize results for senior management forums and regulators
apply sound ethical judgment in managing and reporting control issues
supervise and manage a global team.

What we offer

Generous holiday allowance starting at 27 days plus bank holidays
discretional annual performance-related bonus
private medical insurance packages
Employee Assistance Program
pension plan
paid parental leave
special discounts for employees, family, and friends
access to learning and development resources.

Fulltime

Assistant Vice President, ICM Risk Analysis Credit Risk Senior Analyst

ICM Risk Analysis Credit Risk Associates are responsible for a portfolio of inst...

Location

Japan , Tokyo

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor's/University degree or equivalent experience
Financial Services experience including 5-8 years of credit experience in Banking or Credit Risk Management
Well-developed analytical skills with understanding of key financial components
Advanced knowledge of financial statements and GAAP accounting or similar governance
Solid understanding of Credit Policy and procedures
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
Advanced experience with internal Policies, Standards, Procedures, Templates and financial modeling
Highly effective interpersonal skills with ability to build relationships
Exceptional written and verbal communication skills

Job Responsibility

Assess credit and financial strength of Citi's most complex Large Corporate, Public Sector, and Financial Institutions Clients
Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR)
Continuous monitoring of covered portfolio including industry trends and impacts to key relationships
Review and provide recommendation on risk rating across sector
Partnership with regional and industry stakeholders in credit assessment implementation
Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)

Fulltime

Senior Credit Portfolio Risk Manager

Senior management-level position leading credit risk function for unsecured lend...

Location

Singapore , Singapore

Salary:

Not provided

Citi

Expiration Date

Until further notice

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

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

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

In-Business QA, Business Risk Credit Analyst

The role involves quality assurance relating to Wholesale Credit Risk processes,...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Relevant work experience in Risk & Control function focusing on Wholesale Credit Risk
Hands on experience of Data Science / Data Analytics
Deep understanding of control framework in the banks
Experience in BCBS 239 is highly desirable
Python is essential
Tableau and SQL are added advantages
Consistently demonstrates clear and concise written and verbal communication skills
Effective organizational influencing skills required
Excellent problem-solving skills
Ability to see the big picture with high attention to critical details

Job Responsibility

Support the In-Business Quality Assurance Head of Data Analytics to set the global strategy for and lead the implementation and ongoing delivery of a robust Data analytics and testing program for the Quality Assurance function as it relates to Wholesale Credit Risk (WCR) data governance
Provide effective challenge on the design and operation of the data and credit processes within ICM and report any identified gaps and concerns through quarterly reports published to ICM senior management
Ability to query and clean complex datasets from multiple sources to funnel into advanced statistical analysis
Hands-on experience in designing, planning, prototyping, productionizing, deploying, maintaining, and documenting reliable and scalable data science solution
Perform design and operational effectiveness assessments of various business processes within Wholesale Credit Risk
Participate and independently lead Quality Assurance Reviews (QAR) covering data-relevant aspects
Read policies, standards, and procedures to understand key pillars, responsibilities, associated risks, and expected controls for the business process(es) in scope
Lead data discovery to identify data lineage and controls for the defined business process in scope
Evaluate findings identified through the Quality Assurance process, determine materiality, and partner with business teams to drive sustainable remediation
Collaborate within IBQA teams and with QA Directors and provide them with analytics insights

Fulltime

Wholesale Credit Risk Product & Data Analyst

The Team sit within Citi's Enterprise Data Office and have a focus on serving ou...

Location

United Kingdom , Belfast

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Credit Risk knowledge & experience
Data & Analytics, and data visualization / business intelligence knowledge & experience
Experience in end-to-end project delivery
Knowledge of analytical tools for visualisation (e.g. Tableau)
Ability to manipulate data using SQL and/or Python
Strong communication skills
Proactive and self-motivated approach to managing multiple projects
Keen attention to detail and process/analytic mindset
Project Management skills with experience leading large cross functional initiatives

Job Responsibility

Interact with senior business stakeholders to understand their problem statement & design technical & process-based tactical & strategic solutions
Create a product vision aligned to business priorities and corresponding road-map to delivery
Act as the primary point of contact for stakeholders and data & analytics subject matter expert
Proactively identify opportunities to enhance products and processes
Identify data patterns & trends, and provide insights to business stakeholders
Interact with Risk, Product & Technology to distil long term vision and industry trends

What we offer

27 days annual leave (plus bank holidays)
Discretional annual performance related bonus
Private Medical Care & Life Insurance
Employee Assistance Program
Pension Plan
Paid Parental Leave
Special discounts for employees, family, and friends
Access to learning and development resources

Fulltime

Credit Risk Analytics

Citi

Location:
India , Mumbai ▼
Gurgaon

Category:
Finance

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Additional Information:

Job Posted:
April 26, 2025

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