Wholesale Credit Risk Analyst Job at Citi (Mumbai)

Wholesale Credit Risk Product & Data Analyst - Assistant Vice President

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

Location

India , Pune

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Experience in contributing to a data/analytic capability in a financial institution
9+ years of experience
Foundational understanding of credit risk concepts and the ability to translate complex risk data into meaningful insights for stakeholders
Strong experience with data visualization tools and best practices (ideally using Tableau)
An ability to manipulate data using SQL and/or Python
Experience with low-code Extract Transform and Load (ETL) applications like (for example, Tableau Prep or Alteryx)
Strong communication skills, with the ability to present technical concepts to non-technical audiences effectively
A proactive and self-motivated approach to managing multiple projects and priorities in a fast-paced environment
Highly analytical & creative mindset

Job Responsibility

Design, develop, and maintain advanced dashboards to support credit risk teams in monitoring and analyzing key metrics
Collect, clean, and analyse data related to credit risk – utilizing a data driven approach to determine the optimal solutions to meet strategic requirements
Identify data patterns & trends, and provide insights to business stakeholders
Collaborate with stakeholders to gather requirements, translate business needs into technical specifications, and drive development of new products and/or features and functionality of products
Act as the primary point of contact for stakeholders, as well as the data & analytics subject matter expect (SME), providing regular updates on project progress and addressing feedback independently
Proactively identify opportunities to enhance products and processes to improve efficiency and decision-making
Interact with business managers, technology, and sales to understand their long term vision, discuss industry trends, and incorporate them into the product & solutions strategy

What we offer

competitive base salary (which is annually reviewed)
business casual workplace with a hybrid working model (up to 2 days working at home per week)
additional benefits that support you (and your family) to be well, live well, and save well

Fulltime

Wholesale Credit Risk Product & Data Analyst

This data and product development role will help shape the portfolio, limits & c...

Location

India , Pune

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Experience in contributing to a data/analytic capability in a financial institution
9+ years of experience
Foundational understanding of credit risk concepts and the ability to translate complex risk data into meaningful insights for stakeholders
Strong experience with data visualization tools and best practices (ideally using Tableau)
An ability to manipulate data using SQL and/or Python
Experience with low-code Extract Transform and Load (ETL) applications like (for example, Tableau Prep or Alteryx)
Strong communication skills, with the ability to present technical concepts to non-technical audiences effectively
A proactive and self-motivated approach to managing multiple projects and priorities in a fast-paced environment
Highly analytical & creative mindset

Job Responsibility

Design, develop, and maintain advanced dashboards to support credit risk teams in monitoring and analyzing key metrics
Collect, clean, and analyse data related to credit risk – utilizing a data driven approach to determine the optimal solutions to meet strategic requirements
Identify data patterns & trends, and provide insights to business stakeholders
Collaborate with stakeholders to gather requirements, translate business needs into technical specifications, and drive development of new products and/or features and functionality of products
Act as the primary point of contact for stakeholders, as well as the data & analytics subject matter expect (SME), providing regular updates on project progress and addressing feedback independently
Proactively identify opportunities to enhance products and processes to improve efficiency and decision-making
Interact with business managers, technology, and sales to understand their long term vision, discuss industry trends, and incorporate them into the product & solutions strategy

What we offer

Competitive base salary (which is annually reviewed)
Benefits that support you (and your family) to be well, live well, and save well
Business casual workplace
Hybrid working model (up to 2 days working at home per week)

Fulltime

Wholesale Credit Risk Product - Data Analyst - Vice President

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

Location

India , Pune

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

13+ years of progressive experience in product development, credit risk, or technology roles ideally in big US banks or their contractors
Credit Risk knowledge & experience
Data & Analytics, and data visualization / business intelligence knowledge & experience
Experience in end-to-end project delivery, with knowledge of analytical tools for visualization (e.g. Tableau) and an ability to manipulate data using SQL and/or Python
Experience with low-code Extract Transform and Load (ETL) applications like (for example, Tableau Prep or Alteryx)
Strong communication skills, with the ability to present technical concepts to non-technical audiences effectively
A proactive and self-motivated approach to managing multiple projects and priorities in a fast-paced environment
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, using data-driven approaches
Create a product vision aligned to business priorities and corresponding road-map to delivery
Act as the primary point of contact for stakeholders, as well as the data & analytics subject matter expect (SME), providing regular updates on project progress and addressing feedback independently
Proactively identify opportunities to enhance products and processes to improve efficiency and decision-making
Identify data patterns & trends, and provide insights to business stakeholders
Interact with Risk, Product & Technology to distil long term vision, industry trends, and incorporate them into the product & solutions strategy

What we offer

competitive base salary (which is annually reviewed)
a whole host of additional benefits that support you (and your family) to be well, live well, and save well
business casual workplace
hybrid working model (up to 2 days working at home per week)

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

Wholesale Credit Risk - In-Business Quality Assurance - Commercial & Sovereign, Vice President

Institutional Credit Management’s (“ICM”) objective is to provide an integrated ...

Location

Hungary , Budapest

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Demonstrable strong assurance experience, including 8-10 years in corporate banking, credit risk management, internal audit, loan review or quality assurance review function at an investment or large commercial bank
Knowledge of Wholesale Credit Processes and organizational awareness, portfolios, and processes
Understanding of policies and procedures with the ability to execute change effectively and seamlessly
Strong grasp of the markets and lending wholesale credit risk covered process, to evaluate findings within the Quality Assurance process, determine materiality, and partnering with In-Business Credit Risk for ongoing improvement, problem detection and sustainable remediation
Strong background on core credit analysis for sovereigns, central banks, supranational, government related entities, corporates, and commercial entities to properly evaluate process and quality breaks within the quality assurance function
Ideally, credit risk Internal Audit, control assurance, credit officer/analyst or credit risk background, with experience on day-to-day credit functions associated with analysts and risk approval
High awareness and adherence to the control environment including Quality Assurance
Strategic orientation to ensure the ICM organization continues to be positioned as a thoughtful and proactive partner on driving best practices to support safety and soundness within ICM and Citi
Assists colleagues in identifying stretch opportunities to elevate individual and team performance
Proven culture carrier

Job Responsibility

Support the Portfolio Leads of In-Business QA in implementation and ongoing delivery of a robust Quality Assurance function in accordance with the coverage universe
Provide effective credible challenge during QARs to Portfolio Leads and Underwriters, as regards to credit reviews and process adherence to ensure that weaknesses in such processes are identified and escalated as appropriate
Support with the aim to ensure wholesale credit risks within Citi are effectively identified, measured, monitored, and controlled, consistent with the bank’s risk appetite and all policies and processes established within the risk governance framework
Under the supervision of the WCR QA Head - Commercial & Sovereign and QA Portfolio Leads, support execution of the following: Consistent and objective assessments during QARs, primarily covering underwriting activities for Commercial Banking and Sovereign
Subsequent follow-up on corrective actions that were raised during QARs
Assist in preparation of Quality Assurance Reports to WCR management that communicate and measure results and identify negative trends and potential solutions
Constant interaction with the respective Underwriting and 1LOD functions counterparts, to ensure that quality assurance protocols are adequate for all portfolios
Support in the establishment and execution of WCR In-Business QA policies, procedures, risk assessment and controls to drive effective QA coverage and standards
Support the WCR QA Head - Commercial & Sovereign to stay abreast of relevant changes to rules/regulations and other industry news including regulatory findings
Support the Head of In-Business QA – Wholesale Lending Credit Risk on internal projects and initiatives

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, such as Udemy and Degreed
Flexible work arrangements to support you in managing work - life balance
Career progression opportunities across geographies and business lines

Fulltime

Analyst - Wholesale Credit Sanctioning - LevFin - Controls & Governance

Embark on a transformative journey, Join us as an Analyst - Wholesale Credit San...

Location

India , Mumbai

Salary:

Not provided

Barclays

Expiration Date

Until further notice

Requirements

Strong knowledge of Excel macros, pivot tables, and PowerPoint integration and presentations
Familiarity with data visualization and dashboard integration with Tableau
Experience with one or more of Python, Alteryx, SQL, VBA or Hypercube
Create dynamic excel workbooks and programs that eliminate the need for repetitive hands-on work
Able to work independently and as part of a team, including within global and virtual teams
Preferred to have experience of controls testing/internal audits against risk and controls frameworks and testing methodologies
Good control and service delivery mind-set, with a strong understanding of the importance of creating and maintaining a robust governance and control environment
Possess good interpersonal, verbal and written communication skills, and can 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 independently assess and make credit decisions for complex financing transactions within the LevFin, SLF, and Hedge Funds sectors, ensuring alignment with the bank's credit risk appetite and regulatory requirements and contribute to the development and implementation of credit risk policies and procedures for the Specialised Sector

What we offer

modern workspaces, collaborative areas, and state-of-the-art meeting rooms
wellness rooms, on-site cafeterias, fitness centers, and tech-equipped workstations
flexible working arrangements
hybrid working

Fulltime

Icm Underwriting, Credit Risk Senior Analyst

Institutional Credit Management Underwriting (ICM-UW) is an integral part of the...

Location

Turkey , Istanbul

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

4-8 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
Strong knowledge of Wholesale Credit Processes
Knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
Sound understanding of policies 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)
Experience in preparing presentations for seniors
Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly
Full awareness and adherence to the control environment including Quality Assurance and Quality Control
BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject
English (fluently in Writing, speaking, listening)

Job Responsibility

Assess the credit and financial strength of Citi's Large Corporate, Public Sector and Financial Institutions clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Complete Credit Analysis Write-up Memos (annual reviews, quarterly reviews and transactions) and Final Obligor Risk Ratings of Citi's 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 ICM-UW seniors, Risk and Banking
Partnership with applicable regional and industry stakeholders in Banking and Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
Support ICM-UW Voice of the Employee (VOE) initiatives and other initiatives, requests

Fulltime

Credit Risk Senior Analyst

Citibank, N.A. seeks a Credit Risk Senior Analyst for its Irving, Texas location...

Location

United States , Irving

Salary:

123968.00 USD / Year

Citi

Expiration Date

Until further notice

Requirements

Master’s degree or foreign equivalent in Finance, Business Administration, Accounting, Economics or related field and 3 years of experience as a Financial Analyst, Credit Analyst, Senior Financial Data Analyst, Associate or related position
Will also accept a Bachelor’s degree or foreign equivalent in the above disciplines and 5 years of progressive, post baccalaureate experience as listed above
3 years of experience must include: Writing credit memorandums regarding Credit Risk financial statement analysis, covenant analysis, Peer comp, Industry analysis, Leverage ratios, Liquidity, repayment capacity, financial spreading, and collateral analysis
Modeling/forecasting performance for client based on disclosed information from the client, industry trends, and macro environment
Using FactSet to extract borrower’s information related to debts, its peers and consensus estimates used for projections, and information related to any transactions or M&A related to borrower
Using S&P CAPIQ to extract borrower’s Capital structure information

Job Responsibility

Focus on the rigorous internal analysis and subsequent underwriting of Consumer Goods, Retail and Healthcare portfolio as part of internal portfolio management and transaction requests
Manage a dedicated portfolio of clients via continuous monitoring of their financial performance, industry trends, and overall creditworthiness to proactively identify risks and opportunities
Review and standardize the client-provided financial data (e.g., annual reports, quarterly statements) to align with Citi's internal accounting and analysis guidelines
Compute a comprehensive suite of critical financial ratios, essential for evaluating various facets of a company's performance
Perform in-depth qualitative and quantitative reviews of the core financial statements, Income Statement, Balance Sheet and Cash Flow
Conduct several additional layers of analysis, including industry, covenant, capital/corporate structure, and modeling
Ensure adherence to Citi’s Wholesale Credit Policy, ensuring all analysis and underwriting decisions strictly comply with/align with both internal risk appetite and external regulatory requirements
Perform the comprehensive analysis needed to derive the internal risk ratings for each client via Debt Rating Models/Scorecards

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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Wholesale Credit Risk Analyst

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