Lead Credit & Collections Analyst Job at Cloud Software Group (Pune)

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Portfolio Credit Risk Management 2nd LOD Senior Lead Analyst

Citibank, N.A. seeks a Portfolio Credit Risk Management 2nd LOD Senior Lead Anal...

Location

United States , New York

Salary:

198900.00 - 233557.54 USD / Year

Citi

Expiration Date

August 21, 2026

Requirements

Master’s degree, or foreign equivalent, in Finance, Actuarial Science or related field and 8 years of experience as a Risk Policy Manager, Risk Portfolio Manager, Risk Manager Payroll Portfolio, Credit Portfolio Group Manager, Credit Portfolio Senior Manager, Credit Portfolio Manager, Mortgage Models Senior Analyst, Scoring & Credit Policy Analyst, or related position involving Consumer Risk and Portfolio Management for a global financial services institution. Alternatively, employer will accept a Bachelor’s degree in the listed fields and 10 years of progressively responsible, post-baccalaureate experience in the listed positions. Full span of experience must include: Developing Credit Risk Strategy, including segmentations and scoring models
Executing Credit Risk Programs, including risk identification, monitoring, and framework development
and Developing risk reports using statistical and reporting tools including SAS, Tableau, Power BI, Microsoft Office. Additionally, 2 years of experience must include: Preparing and communicating Senior Management materials, providing insights for Consumer Credit Risk Portfolios and Strategies
Contributing to the quarterly forecast process
Setting and operational policies and procedures
Working with institutional clients based in Mexico and the U.S.
and Developing Loss Benchmarks curve methodology for Consumer products.

Job Responsibility

Provide guidance and coordinate cost of credit activities for Consumer Credit businesses, including engaging with Modeling groups, in-business Retail and Wholesale groups and Finance groups
Establish cross-functional partnerships and networks
Sets standards for Personal Banking, CCAR, CECL, QMMF and Loss Forecasting processes and oversee the applications of those standards
Provides risk oversight
Managed the quarterly forecast process for Consumer Credit businesses, set up standards, share best practices, collect information, and create a report for the Senior Risk Management
Assist with the quarterly forecast process for Consumer Credit businesses
Track differences between actuals and forecast in order to retro-feed the process to improve forecast techniques
Participate in the Chief Risk Officer meetings to understand and challenge the forecasts assumptions and results
Execute Loss Forecasting analyses, projects, and reporting initiatives to support Personal Banking, Wealth Management and Legacy Franchise
Provide strategic analytics and insight regarding Cost of Credit (CoC) actuals and forecast to senior management including preparing Citi’s CFO for earnings release (CFO Earnings preparation)

What we offer

medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays

Fulltime

Wholesale Credit Risk Data Quality Analytics and Reporting Senior Lead Analyst- Senior Vice President

Location

India , Pune

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

15+ years of experience in Banking or Finance industry preferred
12+ years of experience on working with Wholesale Credit Risk dataset
Experience / Certifications in Agile Methodology preferred
Experience monitoring and managing Data Quality on an ongoing basis, including identifying and resolving issues
executing against Data Quality strategies and policies
Communicates effectively, develops and delivers multi-mode communications that convey a clear understanding of the unique needs of different audiences
able to drive consensus, and influence relationships at all levels
Collaborates effectively by building partnerships and working well with others to meet shared objectives
Strong negotiation, influencing and stakeholder management skills across a variety of stakeholders at different levels
Optimizes work processes by balancing effective / efficient processes with a focus on continuous improvement. Demonstrates ability to balance between understanding the big picture while paying close attention to detail

Job Responsibility

Directs key initiatives within the business through the collection, analysis, review, reporting, documentation and communication of business needs and requirements
Manages resource allocation of work on key projects/initiatives
Deals with complex and highly variable issues with substantial potential business impact
Applies ingenuity and creativity to problem analysis and resolution in complicated and/or novel situations
Acts as an advisor or coach to new or lower-level personnel in the business processes and procedures of the business
Provides in-depth and sophisticated analysis with interpretive thinking to define problems and develop innovative solutions
Influences strategic functional decisions through advice, counsel or provided services that have direct impact on the business
Designs/analyzes complex reports to satisfy management requirements
Uses broad discretion in developing solutions for broad-based business reporting issues
Leads reengineering efforts in business's methodology, strategy, and organizational goals

Fulltime

Senior Manager, Collections & Credit (Accounts Receivable)

We are seeking a Senior Manager of Collections & Credit to lead and optimize acc...

Location

United States , Greensboro

Salary:

Not provided

Robert Half

Expiration Date

Until further notice

Requirements

5+ years of progressive experience in Accounts Receivable, Collections, or Credit
Prior leadership experience managing teams in an AR or collections environment
Strong process orientation with a focus on efficiency and continuous improvement
Advanced Excel skills and experience working within ERP systems (e.g., SAP, Oracle, JD Edwards, or similar)
Ability to work both strategically and tactically, with a willingness to be hands-on when needed
Strong communication and problem-solving skills
Bachelor’s degree preferred but not required with relevant experience

Job Responsibility

Lead and develop a team of AR professionals, including analysts and clerks, through coaching, performance management, and regular 1:1s
Oversee collections and credit operations, ensuring timely resolution of past due accounts and deductions
Drive process improvements and efficiencies across AR workflows while maintaining operational consistency
Analyze and resolve billing discrepancies, invoice issues, and customer disputes
Monitor key performance metrics related to collections, aging, and cash flow
Partner cross-functionally with finance, sales, and customer service teams to improve processes and outcomes
Utilize ERP systems and reporting tools to manage data, track performance, and support decision-making
Maintain accurate documentation and adherence to internal controls and policies

What we offer

Medical, vision, dental, and life and disability insurance
401(k) plan
Free online training
Company-sponsored events and recognition initiatives
Generous holiday schedule and seasonal perks

Fulltime

Collections Analyst

HF Sinclair is seeking a Collections Analyst based in Dallas, TX. In this role, ...

Location

United States , Dallas

Salary:

Not provided

HF Sinclair

Expiration Date

Until further notice

Requirements

A minimum of 2 years of job-related experience required
The ability to effectively communicate with others, both verbal and written communication skills
Good reading and writing skills
Negotiation, analytical, problem solving and organizational skills
Strong interpersonal skills with a customer focus
Proficient with spreadsheet, word processing, electronic mail and database applications
Knowledge of Fair Debt and Collection laws
Ability to identify discrepancies and determine alternative course of action
A minimum of a High School Diploma

Job Responsibility

Engage in all aspects of the collection process for assigned customer base
Investigate customer past due balances, assess customer payment capabilities, build relationships, correspond and interact with appropriate customer contacts to collect payments, and coordinate and serve as lead with other groups as needed when corrections are warranted (billing, tax, etc.)
Cultivate and develop strong collaborative relationships with internal groups including Credit, Marketing, Customer Service, Cash Application, etc.
Review, maintain and update customer contact information to ensure customer invoices are delivered correctly and timely, as well as identify and correct gaps in customer invoicing delays
Review and assist with collection processes and methods that will lead to an overall improvement in the Company Days Sales Outstanding (DSO)
identify root cause issues, suggest and implement process improvement opportunities, etc.
Analyze, prepare and distribute weekly collection reports with appropriate account updates to sales and credit teams
reflect customer past due amounts, suggest next steps, etc.
Identify and escalate customer past due account balances to the assigned credit analyst or credit manager as needed
Analyze and provide customer account statements, proof of delivery documents, draft notices, or any other forms of documents required by the customer to issue payment

What we offer

Medical Insurance
Vision Insurance
Dental Insurance
Paid Time-Off
401(k) Retirement Plan with match
Educational Reimbursement
Parental Bonding Time
Employee Discounts

Fulltime

Credit Analyst – Securitization - Officer

The Credit Risk Analyst position will hold a role within the Real Estate & Struc...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

1-3 years of credit, portfolio management or product experience (preferably in structured finance/securitization) in a financial institution, rating agency, financial guarantor or asset management firm
Good analytical skills to filter, prioritize and validate potentially complex material from multiple sources
Knowledge of wholesale loan (syndicated / bilateral) product and business, including an understanding of legal loan documentation, loan / funding mechanics, deal structure, funds flows, etc.
Excellent organizational skills, prioritizing capabilities, attention to detail, and ability to complete assignments within required deadlines in a fast-paced environment
Pro-active disposition with ability to work autonomously and within a team
Creative thinker adept at taking an analytical approach to problem solving
Strong attention to detail for reviewing credit agreements / legal documents
Excellent oral and written communications skills
Strong Microsoft Office skills
Bachelor’s/University degree or equivalent experience

Job Responsibility

Ensure strong analysis of the assigned portfolio ensuring consistencies with industry leading practices and compliance with all internal risk policies, standards and procedures
Assist analysts and associates to perform periodic monitoring of the portfolio
Ensure maintenance of organized credit files for credit, regulatory and compliance purposes and ensuring compliance with WCR policies and processes
Analyse the credit risk by performing tasks that includes reviewing deal documents & legal documentation
Prepare credit approval memos analysing the risk associated with the collateral quality
Analyse periodic data & report for any discrepancy in the data
Collect, organize and analyse data from internal and external sources
Enhance efficiency through automation & technical skills
Maintain regular and open communication with internal as well as external team members on various tasks
Understand the domain and implement quick fix solutions to align the development activities with dynamic business needs

Fulltime

Senior Analyst, Credit Risk

We are seeking a Senior Analyst, Credit Risk to join our Adjudications team. In ...

Location

Canada , Calgary; Toronto

Salary:

60000.00 - 110000.00 CAD / Year

Neo Financial

Expiration Date

Until further notice

Requirements

3+ years of progressive experience in credit risk strategy, portfolio management, or collections strategy, preferably within a high-growth lending, Fintech, or Financial Services environment
Proven ability to use advanced data analysis tools (SQL, Python/R, or similar) to extract, manipulate, and analyze large datasets
Deep understanding of the credit lifecycle, various credit losses typologies, and familiarity with consumer credit data, scores, and attributes
Demonstrated experience in translating analytical findings into clear, executable rules for automated decisioning systems
Exceptional stakeholder management and collaboration skills, with the ability to clearly articulate complex risk findings to non-technical partners

Job Responsibility

Lead the design, maintenance, and implementation of core credit adjudication strategies, policies, and processes for customer acquisition
Define all underwriting criteria for lending products, including knock-out rules, minimum credit scores, Debt-to-Income (DTI) ratio thresholds, and income requirements
Develop initial credit line assignment strategies and oversee logic within automated decisioning systems (in-house or vendor platforms) to ensure accurate, real-time approve/decline decisions
Utilize advanced data analytics and machine learning to analyze risk profiles, identify emerging trends, and quantify exposure across the credit lifecycle
Conduct vintage analysis (e.g., comparing Q1 2025 to Q1 2024 performance) by monitoring key delinquency rates, including First Payment Default (FPD), 30+ & 60+ DPD, and Charge Off rates
Maintain all operational reporting to track performance of strategies against internal forecasts, ensuring no consistent breaches in credit risk KPIs
Develop insightful analysis to actively monitor portfolio performance and drive actionable outcomes
Serve as the key liaison with the Credit Operations team, ensuring seamless execution and monitoring of all new strategies
Oversee exception and manual review processes, setting clear guidelines for applications that fall outside automated decisioning
Collaborate with cross-functional teams (Product, Engineering, Finance, Growth) to embed foundational credit risk controls into new products and features

What we offer

Flexible Pay: You choose your mix of cash and equity in Neo
Total Rewards: You’ll receive competitive benefits, perks, and in some cases, role-specific short-term incentives reflecting impact, performance and support long-term ownership
All team members have a stake in Neo’s success and earn meaningful equity through stock options

Fulltime

Credit Team Lead

We’re looking for a Credit Team Lead to join our Finance team and help lead the ...

Location

Australia , Preston

Salary:

Not provided

Chemist Warehouse

Expiration Date

Until further notice

Requirements

Experience in Credit, Accounts Receivable, collections or finance operations
Leadership or supervisory experience
Strong understanding of credit risk, collections and cash flow management
Experience with credit limits, order releases and Delegation of Authority frameworks
Strong communication and stakeholder management skills
High attention to detail and the ability to manage competing priorities
Sound judgement and a solutions-focused approach
Strong Microsoft Office skills, with advanced Excel skills highly regarded
Exposure to ERP systems, such as SAP, will be viewed favourably

Job Responsibility

Lead daily credit operations across order releases, credit limits and direct debit processing
Act as an escalation point for complex customer accounts, disputes and credit decisions
Coach, support and develop a team of Credit Controllers
Partner with Sales and Finance teams to balance commercial outcomes with credit risk
Work closely with the Credit Analyst on customer risk reviews and financial assessments
Monitor aged debt, collection performance and customer exposure
Support month-end reporting, forecasting and cash flow visibility
Drive process improvements across credit operations, reporting and ways of working

What we offer

Generous staff discounts across Chemist Warehouse and our broader group brands
Hybrid working, with 4 days onsite in Preston and 1 day working from home
Career development within a large, growing ASX-listed organisation
A hands-on leadership role within our Accounts Receivable team
Exposure to Sales, Finance and key business stakeholders
The opportunity to improve processes and support finance transformation

Fulltime

Consumer Cards Credit Portfolio Analyst

The Credit Portfolio Analyst 2 is an individual contributor and emerging risk le...

Location

India , Bengaluru; Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

1.5 to 4 years of experience in credit card risk analytics, consumer lending, or financial analytics
Master’s degree in business, Statistics, Mathematics, Finance, Economics, or related quantitative fields
Advanced SQL
strong experience in SAS and/or Python
Strong command of credit risk analytics: vintage, segmentation, forecasting
Expertise in translating analytics into business decisions
Advanced PowerPoint storytelling and data visualization
Deep understanding of credit card lifecycle and risk economics
Ability to influence decisions through data and judgment
Strong strategic thinking and problem structuring

Job Responsibility

Portfolio Monitoring & Strategic Insights: Own end-to-end portfolio risk monitoring across delinquency, losses, payment behavior, and utilization
Lead vintage, cohort, and segmentation analysis to identify structural vs cyclical risk trends
Diagnose root causes of performance shifts and quantify P&L and capital impact
Define key risk indicators and ensure timely escalation of emerging risks
Support creation and maintenance of risk dashboards and MIS
Assist in diagnosing portfolio performance changes and segment-level risk drivers
Acquisition & New Account Risk Strategy: Own risk assessment of acquisition strategies across channels and products
Evaluate early lifecycle risk (FPD, early delinquency) and recommend corrective actions
Partner with Product and Marketing to optimize risk-adjusted acquisition growth
Challenge business proposals using data-backed risk insights

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
We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world
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

Fulltime

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Lead Credit & Collections Analyst

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