Wholesale Credit Risk Product & Data Analyst Job at Citi (Pune)

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 - 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 Stress Testing Lead Analyst

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

Location

Poland , Warsaw

Salary:

223400.00 - 380400.00 PLN / Year

Citi

Expiration Date

Until further notice

Requirements

5+ years’ experience working in financial institutions
Sound knowledge of statistical modelling concepts and industry best practices
experience with econometric and statistical modelling or application risk scoring
Excellent quantitative and analytic skills
ability to derive patterns, trends and insights, and perform risk/reward trade-off analysis
Experience with analytical or data manipulation tools (e.g. Tableau, Python)
Proficient with MS Office suite
Past experience working on stress testing, model analytics, benchmarking and review & challenge function
Knowledge on scenario design, sensitivity shocks and risk identification process
Good interpretations skills to convey complex quantitative methodology in simple terms

Job Responsibility

Execute periodic stress testing exercises to monitor WCR’s risk appetite and identify vulnerable areas
Provide analytics support to explain the stress test outcome for wholesale lending products
Partner with business units and risk managers to assess data availability and fit for purpose modeling approaches
Interact with model developers, model risk governance, business risk, internal audit
Leverage business / product expertise to evaluate and challenge the stress loss assumptions in hypothetical and historical stress scenarios
Gather and analyze portfolio and macro-economic data to assess potential impact on business performance and integrate the trends to the portfolio loss forecast
Research on 3rd party data, loss history and alternative models to build inventory of benchmarks
Develop deep expertise in stress testing methodologies and validate fit for purpose usage in BAU stress testing management
Contribute and refine current model performance monitoring process to interpret model output and identify opportunities for future improvements
Create a new scenario design capability leveraging existing models & data to translate emerging risk to economic scenarios, model inputs or portfolio shocks

What we offer

Employer paid Defined Contribution Pension Plan contribution of 6% of employee’s pensionable earnings (PPE Program)
Employer paid Private Medical Care Package for employees and Private Medical Care Packages for certain family members available at preferential rates
Employer paid Life Insurance Program for employees and Life Insurance for certain family members available at preferential rates
Employee Assistance Program financed by Employer
Paid Parental Leave Program (maternity and paternity leave
statutory and 2 weeks additional paid paternity leave)
Sport Card for employees subsidised via Social Benefits Fund and Sport Cards for certain family members available at preferential rates
Additional benefits from Company’s Social Benefit Fund, in particular: Holidays Allowance, support for sport and cultural activities, team building events
Additional day off for volunteering
Cafeteria/ flex benefit – a company benefits system which enables employees to select and purchase benefits offered by a provider and available for employees on the platform

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

Data Governance Foundation Senior Analyst

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

Location

Poland , Warsaw

Salary:

151920.00 - 258680.00 PLN / Year

Citi

Expiration Date

Until further notice

Requirements

4+ years relevant experience in a Data Governance, Data Management or related area
Strong project management skills
Optimizes work processes by knowing the most effective and efficient processes to get things done, with a focus on continuous improvement
Ability to anticipate and balance the needs of multiple stakeholders, while monitoring tight deadlines or unexpected requirement changes
Ability to communicate effectively
Proficient in the use of basic Microsoft applications (Word, Excel, PowerPoint)
Bachelor’s/University degree or equivalent experience required

Job Responsibility

Serve as a trusted subject matter expert within Banking, specifically Wholesale Lending for planning and analysis of project deliverables and processes, liaising with multiple teams
Utilize knowledge in the following areas: Accounting/Financial Reporting, Regulatory Reporting (e.g. Capital, Liquidity, etc.), Trade Lifecycle, Credit Agreements & Facility
Build and nurture strong relationships with key stakeholders across the organization, facilitating seamless execution through effective meetings and communication
Proactively identify, assess, and mitigate project risks and issues, proposing innovative solutions and ensuring timely delivery of complex data projects
Champion data quality, lineage, and governance frameworks, independently conducting analyses to develop robust business requirements, manage data issues, and define data quality rules
Analyze banking and financial data (deposits, credit/debit cards, payments, etc). Write complex SQL queries, profile data, and support data modeling. Collaborate with SMEs, Data Architects, Product Owners, and technical teams to deliver data-driven solutions
Consult with end users to support defining, and/or integrating processes to align with the enterprise Data Governance roadmap and/or Data Risk and Control framework and taxonomy
Provide technical knowledge to ensure efficient design, development, and implementation of complex projects
Leads system change process from requirements through implementation
Applies good understanding of concepts and procedures within own business analysis area to resolve issues

What we offer

Employer paid Defined Contribution Pension Plan contribution of 6% of employee’s pensionable earnings (PPE Program)
Employer paid Private Medical Care Package for employees and Private Medical Care Packages for certain family members available at preferential rates
Employer paid Life Insurance Program for employees and Life Insurance for certain family members available at preferential rates
Employee Assistance Program financed by Employer
Paid Parental Leave Program (maternity and paternity leave
statutory and 2 weeks additional paid paternity leave)
Sport Card for employees subsidized via Social Benefits Fund and Sport Cards for certain family members available at preferential rates
Additional benefits from Company’s Social Benefit Fund, in particular: Holidays Allowance, support for sport and cultural activities, team building events
Additional day off for volunteering
Cafeteria/ flex benefit – a company benefits system which enables employees to select and purchase benefits offered by a provider and available for employees on the platform

Fulltime

Data Governance Foundation Senior Analyst

The Data Governance Foundation Senior Analyst is responsible for contributing to...

Location

Poland , Warsaw

Salary:

151920.00 - 258680.00 PLN / Year

Citi

Expiration Date

Until further notice

Requirements

4+ years relevant experience in a Data Governance, Data Management or related area
Strong project management skills
Optimizes work processes by knowing the most effective and efficient processes to get things done, with a focus on continuous improvement
Ability to anticipate and balance the needs of multiple stakeholders, while monitoring tight deadlines or unexpected requirement changes
Ability to communicate effectively
Proficient in the use of basic Microsoft applications (Word, Excel, PowerPoint)
Bachelor’s/University degree or equivalent experience required

Job Responsibility

Serve as a trusted subject matter expert within Banking, specifically Wholesale Lending for planning and analysis of project deliverables and processes, liaising with multiple teams
Utilize knowledge in Accounting/Financial Reporting, Regulatory Reporting (e.g. Capital, Liquidity, etc.), Trade Lifecycle, Credit Agreements & Facility
Build and nurture strong relationships with key stakeholders across the organization, facilitating seamless execution through effective meetings and communication
Proactively identify, assess, and mitigate project risks and issues, proposing innovative solutions and ensuring timely delivery of complex data projects
Champion data quality, lineage, and governance frameworks, independently conducting analyses to develop robust business requirements, manage data issues, and define data quality rules
Analyze banking and financial data (deposits, credit/debit cards, payments, etc). Write complex SQL queries, profile data, and support data modeling. Collaborate with SMEs, Data Architects, Product Owners, and technical teams to deliver data-driven solutions
Consult with end users to support defining, and/or integrating processes to align with the enterprise Data Governance roadmap and/or Data Risk and Control framework and taxonomy
Provide technical knowledge to ensure efficient design, development, and implementation of complex projects
Leads system change process from requirements through implementation
Applies good understanding of concepts and procedures within own business analysis area to resolve issues

What we offer

Employer paid Defined Contribution Pension Plan contribution of 6% of employee’s pensionable earnings (PPE Program)
Employer paid Private Medical Care Package for employees and Private Medical Care Packages for certain family members available at preferential rates
Employer paid Life Insurance Program for employees and Life Insurance for certain family members available at preferential rates
Employee Assistance Program financed by Employer
Paid Parental Leave Program (maternity and paternity leave
statutory and 2 weeks additional paid paternity leave)
Sport Card for employees subsidized via Social Benefits Fund and Sport Cards for certain family members available at preferential rates
Additional benefits from Company’s Social Benefit Fund, in particular: Holidays Allowance, support for sport and cultural activities, team building events
Additional day off for volunteering
Cafeteria/ flex benefit – a company benefits system which enables employees to select and purchase benefits offered by a provider and available for employees on the platform

Fulltime

New

Model Validation 2nd LOD Sr. Analyst

Citibank, N.A. seeks a Model Validation 2nd LOD Senior Analyst for its Tampa, F...

Location

United States , Tampa

Salary:

117650.00 - 130920.00 USD / Year

Citi

Expiration Date

August 11, 2026

Requirements

Master’s degree or foreign equivalent in Mathematical Finance, Mathematics, Statistics, or related quantitative field 2 years of experience as a Model Developer, Model Validator, Model/Analysis/Validation Senior Analyst, or Quantitative Analyst performing financial model validation and performance testing for a global financial services institution. Alternatively, employer will accept a Bachelor’s degree in the above fields and 5 years of progressively responsible experience in the above positions. Full span of experience must include: Validating mathematical and statistical models, including Derivatives Pricing, Monte Carlo Simulation, Ordinary Least Square Regression, Time Series Analysis, Logistic Regression, and Classification
Assessing data inputs used in model development and validation, ensuring the quality and appropriateness of data
Designing and executing Statistical Diagnostic Tests, Scenario Analysis, Stress Testing, Benchmarking, Backtesting, and comprehensive sensitivity analysis on wholesale credit risk models to key macroeconomic risk drivers
Conducting portfolio loss simulations and tests on model convergence and performance using Python/C++
Programming and validating numerical and closed-form pricing models using Python/VBA
and Establishing goodness-of-fit tests including simulation-based collision test for Copula models with quasi-Monte Carlo methods.

Job Responsibility

Manage and assess model risk throughout the entire lifecycle of Wholesale Credit Risk models, including initial validation, ongoing performance monitoring, and periodic re-validations/annual reviews
Perform independent and comprehensive validation of Wholesale Credit Risk models, including, but not limited to, those utilizing methodologies such as statistical, numerical, or mathematical approaches for the modeling of PD, LGD, EAD, ECL, and Loan Pricing
Evaluate the completeness, accuracy, and relevance of data inputs used in Wholesale Credit Risk models, including their impact on model outputs and overall performance, with particular attention to data specific to ECL and Loan Pricing projection
Conduct rigorous assessment and effective challenge of model design, underlying assumptions, conceptual soundness, and mathematical formulations, ensuring alignment with industry best practices and regulatory requirements for all relevant model types
Design and execute advanced quantitative and statistical testing, including scenario analysis, stress testing, and backtesting, using programming languages such as Python, R, or SAS, to evaluate model integrity, stability, and predictive performance
Review model performance against macroeconomic conditions based on drivers across different industries, regions, and product types
Analyze the impact of various macroeconomic scenarios on the credit portfolio, particularly when validating models used for stress testing, capital adequacy, and ECL estimation
Produce detailed, transparent, and high-quality model validation reports that clearly articulate findings, limitations, and recommendations, adhering strictly to Model Risk Management Policy and Execution Manuals
Serve as a subject matter expert, effectively representing the bank in discussions with regulatory authorities, internal audit, and external auditors regarding Wholesale Credit Risk model validation findings and model risk management practices, and present complex validation outcomes and model risk assessments to senior management and supervisory bodies
Quantify and communicate model risk associated with identified limitations, providing actionable insights for stakeholders to understand their risk profiles and develop appropriate compensating controls

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

Ar & Collections Analyst

The Accounts Receivable & Collection Analyst position focuses on collecting outs...

Location

United States , Atlanta

Salary:

Not provided

Carter's

Expiration Date

Until further notice

Requirements

Excellent written and verbal communication
1-3 years’ experience in accounts receivable and collections with the ability to reconcile credits & debits
Commitment to customer service, with the ability to build productive relationships with internal and external business partners.

Job Responsibility

Manage accounts receivable portfolio including collections, and chargebacks/disputes as assigned by manager
Arrange and manage customer payment plans and negotiations
consult with the Manager of Credit & Collections including legal for severe and critical past due accounts
Reconciliation and performance analysis of customer accounts providing KPI metrics to senior management, preparation of ad-hoc reporting, including but not limited to customer contracts, dispute resolutions, current aging status and/or others, as assigned by management
Analyze research, and resolve past due items maintaining collection standard of 90% current aging status for assigned accounts: liaison with customer contacts via telephone, email, and customer web portals to collect data from various customer locations, resolve payment issues, facilitate collections and analyze credit exposure
Access and navigate customer websites/portals to retrieve invoice payment information, claim copies and/or to resolve disputed / unpaid balances
Look for opportunities to streamline the process by partnering with IT and the vendor community
Maintain detailed documentation of collection activity, including customer contacts, follow up on open items and account resolution status in SAP
Serve as SAP Collections SME to provide training and support to internal business partners, including Order Management Logistics (OML), Sales and Distribution Center (DC) personnel to resolve operational and compliance issues
Ability to track and manage various projects simultaneously in a high-volume retail environment

What we offer

Career Development: Success starts from within, and we have several paths from which you can choose to enhance your career evolution. From Carter’s University to Toastmasters to mentorship programs and more, we encourage you to utilize these tools to elevate your professional prowess.

Fulltime

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Wholesale Credit Risk Product & Data Analyst

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