Vice President Credit Portfolio Officer Job at Citi (Mumbai)

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

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

Risk Policy Senior Officer -Senior Vice President

The Risk Policy Senior Officer I is a strategic professional who closely follows...

Location

United States , Irving

Salary:

156160.00 - 234240.00 USD / Year

Citi

Expiration Date

June 12, 2026

Requirements

10+ years experience in Policies/Analytics/Decision Management
Ability to think and make decisions in high risk scenarios
Work under pressure
Able to handle prioritize
Good project management skills
Able to interface with various levels of management in Global/Region/Business and across functions
Knowledge in consumer risk management credit cycle processes and asset product operations
Effective negotiation skills
a proactive and 'no surprises' approach in communicating Risk issues
strength in sustaining autonomous views

Job Responsibility

Manage global and more complex Fundamental Credit Review (FCR) report entities of consumer portfolios
Assess quality of assigned portfolios, including identification and evaluation of emerging risks
Assess effectiveness of the credit risk processes and standards of assigned entities to promote leading practices and identify opportunities for improvements
Review and assess the appropriateness, completeness and usage trends of the credit risk components of the Risk Appetite framework for the assigned portfolios
Provide autonomous assessment of the accuracy and appropriateness of risk ratings and classifications of the assigned portfolios
Assess business/risk staffing models to ensure appropriate resources for assigned entities
Ensure that Corrective Action Plans for assigned businesses are appropriate, monitored and duly validated addressing concerns resulting from FCR Reviews or Business Monitoring
Ensure that FCR documents including the Credit Assessment Documents and the Fundamental Credit Review Reports meet quality and consistency standards
Assists the FCR Region Head on regional and/or global tasks
Keep FCR senior management informed of any concerns and/or emerging risks that may jeopardize their Review Entities

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

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Retail Credit Policy - Vice President

The Credit Risk Portfolio Manager is a management-level position responsible for...

Location

India , Chennai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

8-12 years of progressive experience in retail credit risk management, consumer lending, or a related financial discipline, preferably within a large financial institution focusing on credit cards and personal loans
Bachelor's degree in Finance, Accounting, Economics, Computer Science, or a related field
Advanced proficiency with analytical and data manipulation tools (e.g., SAS, SQL, R, SPSS) for large consumer datasets and behavioral analysis
Demonstrated experience with econometric and statistical modeling or application risk scoring specifically for retail credit products (e.g., credit card risk models, behavioral scoring, fraud detection models in consumer lending)
Proven ability to work with large datasets, understanding probabilities/distributions, and building decision trees and regression models relevant to consumer credit risk
Thorough knowledge of the retail credit lifecycle, including origination, underwriting, account management, collections, and its interdependencies
Excellent time management, organizational, analytical, and strong quantitative skills
Superior written and verbal communication skills, with the ability to present complex information clearly and concisely to diverse audiences, including senior management and regulatory bodies
Proficiency in Microsoft Office Suite, particularly Excel and PowerPoint

Job Responsibility

Strategic Leadership & Policy Development: Effectively leads and oversees multiple policy change implementation projects specific to retail credit products, providing end-to-end support within the Risk Management Organization
Establishes and refines operating policies and procedures related to credit approval and verification, credit card fraud prevention, delinquency and loss management, and overall consumer lending strategies
Team and Resource Management: Conducts managerial responsibilities including coaching, mentoring, and escalation as needed within the retail credit risk team
Ensures continuous process improvement and efficiency initiatives are identified and implemented to support business unit goals in consumer lending
Credit Risk Oversight & Analysis: Drives the assessment of Citi's credit risk management practices and leads the identification and mitigation of credit risk across unsecured retail portfolios (e.g., credit cards)
Analyzes complex credit risks using advanced reports, scorecards, risk systems, and expert judgment, with a particular focus on behavioral scoring models, application fraud detection, and collections strategies relevant to retail products
Oversees post-implementation validation for Credit Implementations and develops robust test plans to ensure business policy changes are effectively validated within the retail lending context
Portfolio Performance & Reporting: Conducts periodic and ad-hoc analyses on retail credit portfolio performance for Risk Governance Assessments
Business Growth & Risk Strategy: Identifies business opportunities, develops sophisticated credit tests and risk strategies, balancing risk and return for retail products
Collaborates with cross-functional teams to ensure flawless execution of policy tests and strategies across the consumer lending lifecycle

What we offer

Learn About Global Benefits (see Global Benefits section mentioned but not detailed)

Fulltime

In-Business Quality Assurance – Credit Processes, Vice President

We are seeking a Vice President to join the In-Business QA team, focusing on Cre...

Location

Hungary , Budapest

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

5-10 years of experience in wholesale credit risk, loan operations, internal audit, or quality assurance at a global financial institution
Deep understanding of wholesale and wealth credit processes, including credit execution, documentation, and collateral management
Proven ability to evaluate and communicate control gaps, process risks, and areas of enhancement
Familiarity with regulatory expectations and risk governance frameworks
Basic knowledge and experience on designing and implementing robust Quality Assurance framework
Proficient understanding of policies and procedures with the ability to execute change seamlessly
BA/BSc or higher degree in Business (MBA), or any other related subject
Training or certification in QA, credit risk, internal audit, or automation technologies is an advantage
Strong analytical and data interpretation abilities
Strong communication and stakeholder engagement skills—written, verbal, and presentation

Job Responsibility

Support the Portfolio Lead and QA Head on the execution of Quality Assurance Reviews (QARs)
Assist in developing and implementing robust testing strategies, leveraging data analysis, automation, and AI technologies
Provide credible challenge to front-line credit execution teams and escalate material issues
Deliver high-quality review outputs, communicating findings to staff and senior stakeholders
Manage relationships with key stakeholders
Lead or support process automation and tooling efforts (e.g., Python, Alteryx, Excel VBA)
Ensure QAR findings and action plans are followed through to resolution
Contribute to the continuous improvement of QA frameworks, methodologies, and risk assessments across global regions
Mentor junior QA team members
Assist in other QARs across WCR In-Business QA as required

What we offer

Cafeteria Program
Home Office Allowance (for colleagues working in hybrid work models)
Paid Parental Leave Program (maternity and paternity leave)
Private Medical Care Program and onsite medical rooms at our offices
Pension Plan Contribution to voluntary pension fund
Group Life Insurance
Employee Assistance Program
Access to a wide variety of learning and development programs, online course libraries and upskilling platforms
Flexible work arrangements
Career progression opportunities across geographies and business lines

Fulltime

Vice-President - Senior Credit Analyst

The ICM Senior Credit Analyst will lead the evaluation and ongoing management of...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

CA, CFA, or MBA (Finance) with 10–13 years of experience in credit risk, corporate lending, or financial research
Exceptional experience with the internal Policies, Standards, Procedures, Templates
Ability to analyze and evaluate financial statements and business plans, across a range of industrial sectors and form independent opinions on credit and emerging risks
Proficient knowledge of corporate and debt structuring, with a particular understanding of bank loan documentation
Good understanding of risk profiles of all credit products
Advanced credit analysis and corporate financial modeling
Risk assessment and quantitative analysis experience
Ability to build and maintain relationships and communication skills, both written and verbally
Ability to work autonomously, as well make meaningful contributions as part of a team
Project management skills, with a focus on Information System implementation

Job Responsibility

Lead comprehensive credit assessments, valuations, and rating assignments for complex or large exposures
Independently prepare financial models and company valuations using most appropriate methods (DCF, SOTP, Project finance, comparable company analysis, precedent transactions, etc.)
Assess liquidity, debt capacity and other areas of financial and operating performance to evaluate areas of weakness and potential for turnaround, which is measured by setting and monitoring appropriate classification triggers
Model companies' financial position to assess appropriate debt structure and accurate debt value using the most appropriate valuation methodology
Oversee and review credit papers, ensuring analytical rigor and compliance with policy standards
Monitor portfolio performance and conduct early warning analyses
Guide stress testing, sector review initiatives, and internal risk assessments
Participate in or lead credit review committees and provide insights on deal structuring and documentation
Mentor and review work of analysts across levels to maintain output quality and consistency
Ensure adherence to credit governance, internal control, and audit standards

What we offer

Access to telehealth options, health advocates, confidential counseling
Expanded Paid Parental Leave Policy
Access to an array of learning and development resources
Generous paid time off packages
Resources and tools to volunteer in the communities in which they live and work

Fulltime

Assistant Vice President - Counterparty Credit Risk

Counterparty Credit Risk Portfolio Analyst role is a risk analyst role in Counte...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Minimum of 6+ years of experience in a large Financial Institution in Counterparty Credit Risk
Prior work experience in Counterparty Credit Risk including Exposure and Margin frameworks/models, Stress testing, Wrong-Way Risk, Clearing and Settlement Risk
Prior work experience in Markets businesses and products across OTC, Prime Brokerage, Clearing and Security Financing /Repo and across range of assets classes and lines of business
Understanding of derivative products and associated first order/second order risks
Knowledge of Credit documentation and various Credit master agreements, legal terms related to netting/collateral/margin mechanics is helpful
Broad understanding of current market and regulatory environment as applicable to Counterparty Credit Risk
Expert in Microsoft Excel for complex data modeling, analysis, and ability to leverage Python (e.g., Pandas, NumPy) and other relevant data analytics tools for data manipulation, statistical analysis, and visualization
Excellent organizational and communication skills
Superior analytical and quantitative skills and be able to quickly distil transactions/business propositions to key risks
Ability to work collaboratively with a wide group of cross-functional stakeholders across levels

Job Responsibility

Help implement and operate the 2nd Line Counterparty Credit Risk and controls framework for Citi
Help in the execution strategy for Pre-Settlement Exposure (PSE), Net Stress Exposure (NSE) and various CCR measurements standards across Citi APAC businesses in partnership with Credit Officers, Risk Analytics and Technology and key stakeholders in 1st Line of Defense including Banking, Markets, and Institutional Credit Management
Ensure CCR frameworks, practices and policies applied to all market products, including all Over-The-Counter (OTC) Derivatives across Equity, Foreign Exchange (FX), Fixed Income, Commodities, Credit derivatives
Prime Brokerage, Futures and OTC Clearing, Securities Financing Transactions and Cash trading across all Credit portfolios
Actively monitor CCR portfolio across business, risk stripes and legal vehicles on the quantum, trend, composition, and work in conjunction with Credit officers and Business partners to ensure CCR exposures remain within risk appetite
Focus on early warning and proactive problem recognition based on markets indicators and portfolio concentrations and timely escalate issues to senior management for any action or resolution
Help 2nd line of defense Credit officers in pre-trade review, challenge, and what-if analysis for new complex derivatives activity with application of CCR frameworks for effective and efficient risk on-boarding
Support CCR risk management governance by preparing and presenting updates on various CCR pillars to CCR councils and senior management forums
Support regulatory interactions on the CCR and manage increasing demands of regulatory oversight on CCR including ensuring timely and accurate inputs to regulators

What we offer

Programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more
Access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses
Variety of programs that help employees balance their work and life, including generous paid time off packages

Fulltime

Assistant Vice President - Wholesale Credit Sanctioning - LevFin

Embark on a transformative journey as Assistant Vice President - Wholesale Credi...

Location

India , Mumbai

Salary:

Not provided

Barclays

Expiration Date

Until further notice

Requirements

Hands on experience in corporate credit risk assessment of global credits, with a focus on the US and/or EMEA regions within the High Risk/LevFin domain
Preparing annual/periodic credit reviews for submission to senior Risk Officers and presentation in Credit Committees
Conduct ongoing monitoring of assigned portfolios, promptly notifying senior management of adverse client or segment developments and trends, and evaluating their potential impact on regulatory ratings
Actively engage and help other team members in achieving their objectives to enhance performance of the wider team
Actively support the senior credit officers for periodic regulatory examinations / Internal Audits / Complex transactions / Risk initiatives
Experience in credit risk , preferably in an international banking environment, covering Leveraged and/or High Yield clients
Possess good analytical skills with attention to detail, ability to provide big picture decision making
Possess the ability to work in a fast-paced environment, multi-task and handle various competing priorities
Possess good interpersonal, verbal and written communication skills, and have the ability to clearly articulate complex concepts and ideas

Job Responsibility

Analysis of complex financial information and business models of LevFin, SLF, and Hedge Fund clients to assess their creditworthiness, repayment capacity, and potential risks
Monitoring of the performance of the LevFin, SLF, and Hedge Fund portfolio, identifying and reporting early warning signs of potential credit deterioration
Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions
Documentation credit decisions and rationale in a clear and concise manner, adhering to internal audit and regulatory reporting standards
Development and implementation of strategies to mitigate identified credit risks and optimise portfolio performance
To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness
Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function
Consult on complex issues
providing advice to People Leaders to support the resolution of escalated issues
Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda

What we offer

wellness rooms
gyms
mental health support
modern workspaces
collaborative areas
state-of-the-art meeting rooms
on-site cafeterias
fitness centers
tech-equipped workstations

Fulltime

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Vice President Credit Portfolio Officer

Job Description

Job Responsibility

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