Vice President Credit Portfolio Officer Job at Citi (Mumbai)

Credit Portfolio Officer - Vice President

At Citi, we get to connect millions of people across hundreds of cities and coun...

Location

India , Gurugram

Salary:

Not provided

Citi

Expiration Date

Until further notice

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

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 proposal
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

What we offer

Programs and services for physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more
Expanded Paid Parental Leave Policy
Access to an array of learning and development resources
Programs that help employees balance their work and life, including generous paid time off packages
Resources and tools to volunteer in the communities in which they live and work

Fulltime

Commercial Lending Credit Officer - Vice President

The Commercial Lending Credit Officer will perform underwriting and portfolio ma...

Location

India , Haryana

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor's degree in Finance or Accounting, or equivalent experience
Minimum 5 years working in a financial institution performing commercial credit analysis in an underwriting and/or portfolio management role
Expertise in underwriting business working capital lines, term loans and real estate transactions with Small Business Administration (SBA) experience also preferred, but not required
Prior experience working in a U.S. regulatory and compliance policy environment
Strong analytical skills including the ability to read and assess individual and company U.S. tax returns, U.S. financial statements, cash flow, industry and competitive analysis and projections
Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
Strong ability to assess risks and make decisions using sound judgment
Excellent organizational skills, strong multi-tasking capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
Strong inter-personal and written / verbal communication skills
Strong problem recognition and resolution skills

Job Responsibility

Analyze various U.S. industries and have a thorough knowledge of the risks associated with those industries
Implement loan structure, terms and conditions with regard to a variety of loan and borrower situations
Support U.S. colleagues in sales, credit, and loan operations roles with adhering to processing and documentation guidelines for loan requests
Prepare detailed written credit memos that summarize results of financial and credit analysis including identification of strengths, prevailing risk factors, and recommendation
Ensure appropriateness of risk ratings and facility classifications at time of Originations and/or during the Annual Review process
Ensure data capture associated with approved extensions of credit are accurate
Ensure compliance with credit policies and procedures and applicable U.S. law and regulatory requirements, and achieve satisfactory ratings from internal and external auditors
Support business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels
Build a solid understanding of Citibank products and services

Fulltime

New

Credit Officer - Senior Vice President

Are you looking for a career move that will put you at the heart of a global fin...

Location

United Kingdom , London

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Extensive experience in a credit-oriented role, preferably with a large multinational financial services firm
Solid experience in credit, restructuring, or remedial management with understanding of legal documentation and regulatory frameworks
Strong credit sense and ability to articulate a view, work across a range of credit products, with experience in early problem recognition and crisis resolution skills
Effective interpersonal skills, including an ability to be persuasive and build consensus on complex issues
Highly-experienced credit professional with a deep and relevant restructuring, distressed or comparable expertise
Demonstrated corporate finance, business strategy and debt structuring skills, with ability to manage complex transactions and conduct negotiations
Thorough understanding of the risk profile, structure and governing documentation for various credit and market products
Hands on experience in stressed and distressed concepts, processes, and associated internal bank accounting (e.g., valuations, cost of credit, etc.)
History of promoting a strong governance and controls environment
Excellent analytical, technical, and problem-solving skills

Job Responsibility

Lead the management of a portfolio of stressed and distressed credit exposures
Define and implement account and exposure strategies
Proactively manage evolving credit situations and workout processes
Develop and execute restructuring and remedial strategies
Drive portfolio recovery value while balancing stakeholder interests
Partner with internal teams, clients, and external advisors to deliver solutions
Provide risk oversight, challenge, and approvals in line with 2LoD responsibilities
Ensure accurate and timely risk ratings, regulatory classifications, and cost of credit actions
Provide strategic direction, transaction execution, and approval for Special Assets-managed credits
Work with Special Assets Senior Transactors, valuation team members and banking in the management and execution of the Special Assets portfolio

What we offer

Generous holiday allowance starting at 27 days plus bank holidays
increasing with tenure
A discretional annual performance related bonus
Private medical insurance packages to suit your personal circumstances
Employee Assistance Program
Pension Plan
Paid Parental Leave
Special discounts for employees, family, and friends
Access to an array of learning and development resources

Fulltime

Credit Officer - Assistant Vice President

The Credit Officer is a seasoned professional role. Applies in-depth disciplinar...

Location

Philippines , City of Taguig, Metro Manila

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

5-8 years relevant experience
Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics (Master’s degree preferred)
Previous experience in credit card risk management or equivalent training and experience preferably in the financial services industry
Ability to apply credit and risk principles toward business goals
Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency
Must be highly organized and able to work in a fast paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills
Extensive knowledge of SAS or SQL programming and literacy with MS Office software required
Bachelor’s/University degree or equivalent experience

Job Responsibility

Develop recommendations to adjust credit policies by analyzing credit and financial performance utilizing statistical scoring, segmentation, regression and simulation techniques
Implement initiatives to ensure consistency and compliance with credit policies
Utilize SAS in a UNIX environment to perform risk, financial and data analysis including profiling, sampling, reconciliation, and quality testing
Prepare risk management presentations for senior management that include analytics on portfolio performance, emerging trends and areas of opportunity
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

Fulltime

Credit Risk Officer – Alternatives (Hedge Funds & Private Markets) - Vice President

Citi is looking for a Vice President, Credit Risk – Alternatives to join our Ins...

Location

United States , New York

Salary:

129840.00 - 194760.00 USD / Year

Citi

Expiration Date

Until further notice

Requirements

5 or more years of counterparty credit risk experience within financial services, with demonstrated expertise covering alternative investment managers such as hedge funds and proprietary trading firms
Hands-on underwriting experience across a range of capital markets products, including Prime Brokerage, Repo, FX, Derivatives, Fund Financing, subscription call facilities, and structured lending
Proven ability to analyze complex capital markets products and financing structures, and translate that analysis into clear, well-supported credit decisions
Track record of authoring substantive credit documentation — including initial reviews, annual reviews, and transaction-specific analyses — to a professional standard
Strong communication skills, both written and verbal, with the ability to present effectively to diverse audiences including senior management and clients
Demonstrated ability to make sound credit judgements under time pressure and escalate concerns appropriately when required
Degree in Finance, Accounting, Economics, or a related discipline

Job Responsibility

Own end-to-end counterparty credit risk coverage for a portfolio of alternative asset managers, conducting initial, ongoing, and annual credit due diligence to a consistently high standard
Author high-quality credit reviews — including initial assessments, annual reviews, and analyses of material transactions — that clearly articulate risk/return trade-offs for senior stakeholders
Assess transaction risk across a full suite of capital markets products, including Equity, FX and Fixed Income Prime Brokerage, Futures, Clearing, Repo, and bilateral OTC derivatives
Lead credit-focused legal negotiations and manage the escalation process for approvals, ensuring decisions are well-reasoned, timely, and aligned with Wholesale Credit Risk standards
Build and maintain trusted relationships with senior client contacts — including COOs, CFOs, and CCOs — through on-site due diligence meetings, calls, and regular engagement, positioning yourself as a go-to credit contact for clients
Partner closely with internal business teams and Second Line of Defense Risk partners to deliver balanced risk assessments and ensure best-in-class governance and controls
Monitor portfolio developments, identify emerging credit concerns, and escalate issues proactively to protect Citi's risk position and client relationships

What we offer

Hybrid working model
Access to a broad global network of risk, trading, and client professionals across Citi's institutional businesses
Ongoing learning and development opportunities
Competitive compensation and a comprehensive benefits package
Wellbeing and family support programs
Medical, dental & vision coverage
401(k)
Life, accident, and disability insurance
Wellness programs
Paid time off packages including vacation, sick leave, and paid holidays

Fulltime

Risk Policy Officer - Vice President

The Risk Credit Policy Officer provides full leadership and supervisory responsi...

Location

India , Haryana

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10 to 13 years previous U.S. consumer Mortgage underwriting experience
Extensive U.S. Mortgage industry knowledge related to credit worthiness, regulatory requirements, agency/non-agency (including portfolio, HNW and UHNW) and FHA/VA guidelines is required
Exceptional skills in creating Power Point Presentations, Excel Spreadsheets and Word Documents required
Must be highly ethical and work with integrity
Must have the ability to work and collaborate as a team member
Excellent verbal and written communication skills as well as effective listening skills
Able to work across all levels in Risk Management and also with other Governance/Controls and business teams
Excellent Presentation skills – adept at presenting effectively to audiences of various sizes and adapting style as necessary
Able to work with key decision makers across various levels and functions within the Citi organization
Able to work in a rapidly changing environment, on multiple projects while supporting the business and other teams in the implementation and changes to Risk Credit Policy items

Job Responsibility

Performs oversight of the Policies for Agency and Non-Agency, High Net Worth, Ultra High Net Worth and Portfolio lending
Responsible for managing Risk and Controls and maintaining quality expectations set forth by the organization
Integrates an in-depth credit underwriting background of complex transactions for all clients with a solid knowledge of U.S. Mortgage industry standards and practices
Prepares a Comprehensive Fact Sheet of the Policy parameters to be used by the business when making Credit Decisions
Uses sound judgment to oversee more complex Policies and provides feedback to teams
Develop, conduct and host meetings with Senior level management as well as attend meetings with cross-functional business partners and contribute to the meeting content
Analyze data, provide root cause analysis, generate accurate reports on a regular basis as well as facilitating ad-hoc reporting as needed in support of changes
Interact with and present to regulators, Government Sponsored Entities (GSE’s) and internal audit teams as needed. Attend various Regulatory Meetings, exam preparation meetings on behalf of Credit Risk Policy to evaluate impacts and articulate published Policy
The ability to communicate, both in writing and verbally, with various organizational levels, complimented by a strong customer service ethic and team orientation is required
Ability to appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with all 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

Fulltime

New

Capital Markets and Loan Portfolio Mitigation, Vice President

The Treasury Capital Markets and Loan Portfolio Mitigation (CM&LPM) team is look...

Location

United Kingdom , London

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Experience in a related role of credit structuring and / or portfolio management
Excellent communication / interpersonal skills are a must (both verbal and written)
Ability to think strategically on micro tasks while ensuring suitability for macro business goals
Well organised, disciplined approach to work with a high level of attention to detail while remaining flexible to changeable environment
Ability to navigate through a large organisation to streamline and summarise multiple information points and create repeatable processes to build consistency in presenting information
Highly motivated, organised, detail and team-oriented with strong quantitative skills
Demonstrates a high level of integrity
Knowledge of synthetic securitisation and credit risk mitigation more broadly, including relevant regulatory frameworks
Advanced analytical and numerical competency
Knowledge of Bloomberg, booking systems, trading protocol, closing technicalities

Job Responsibility

Hands on involvement in CM&LPM’s synthetic securitisation programme: structuring, replenishments, maintenance
Focus on growing CM&LPM’s synthetic securitisation programme across multiple Citi businesses, including new asset classes
Potential to aid in external investor relationships and marketing in conjunction with sales management to build and maintain the franchise
Focus on continuing the technology build out of user interfaces for the synthetic securitisation programme
Assist in creating regular and ad hoc presentations of mitigation strategies for Senior managers
Monitoring the market risk and P&L of the CM&LPM hedge book
Research and development of new structured credit solutions for overall balance sheet management through liaising with other Citi businesses
Participate in various other ad hoc CM&LPM initiatives as they relate to the overall credit portfolio
Work in close partnership with control functions such as Legal, Compliance, Market and Credit Risk, Audit, Finance in order to secure required internal approvals and ensure appropriate governance and control infrastructure
Build a culture of responsible finance, good governance and supervision, expense discipline and ethics

What we offer

Generous holiday allowance starting at 27 days plus bank holidays
increasing with tenure
A discretional annual performance related bonus
Private medical insurance packages to suit your personal circumstances
Employee Assistance Programme
Pension Plan
Paid Parental Leave
Special discounts for employees, family, and friends
Access to an array of learning and development resources

Fulltime

Sr. Credit Analyst - Vice President

Institutional Credit Management (ICM) is a critical component of Citi’s First Li...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Demonstratable financial services experience, including 6+ years of credit experience in Banking, Credit Risk Management or equivalent credit experience
Strong knowledge of Wholesale Credit Processes and organizational awareness including ICM functions, covered portfolios/products, and processes
Sound understanding of policies, standards and procedures with the ability to execute change seamlessly
Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks)
Solid and thorough knowledge of Citi´s systems (preferable)
Experience in preparing clear and concise presentations to senior stakeholders
Full awareness and adherence to the control environment including Quality Assurance and Quality Control
Credit Officer (CO) or demonstrating the skills aligned with that designation will be advantageous
MBA, CA, CFA or equivalent

Job Responsibility

Assess the credit and financial strength of Citi’s Real Money Funds Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Funds Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriting Team Leads, 2LoD Risk Partners and BCMA partners
Ensure on-going training to team, reviewing CAMs and providing timely feedback to underwriting analysts to sustain a strong credit underwriting standard, culture and an unwavering commitment to excellence in analysis and execution
Assist the team lead with ad hoc deliverables/tasks and proactively assume additional responsibilities to help manage workload
Review and provide recommendation on the risk rating across the Funds sector
Partner with regional and industry stakeholders in Underwriting, 2LoD, and BCMA in the implementation of credit assessment and monitoring standards for applicable portfolios

Fulltime

Select Country

Vice President Credit Portfolio Officer

Job Description

Job Responsibility

Requirements

Looking for more opportunities?