Credit Risk Analytics -Intermediate Analyst-Strategic Initiatives-C11

Job title: Credit Risk Analytics -Intermediate Analyst-Strategic Initiatives-C11

Company: Citigroup


Job description: The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi’s portfolio exposure to clients and counterparties globally.Responsibilities:

• Resolve issues and recommend solutions to moderate problems
• Integrate specialty area knowledge with an understanding of industry standards and practices and how teams collaborate to accomplish goals of the sub-function/ job family
• Serve as an industry expert and advisor
• Analyze and approve counter-party credit limits for trading, transactional and financing businesses with funds
• Develop risk management framework and processes for funds
• Advise businesses and clients on transaction structures and negotiate credit terms
• Has the ability to operate with a limited level of direct supervision.
• Can exercise independence of judgement and autonomy.
• Acts as SME to senior stakeholders and /or other team members.
• 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.

Qualifications:

• Minimum 5 years of relevant experience
• Experience in financial analysis, accounting and valuation
• Consistently demonstrate clear and concise written and verbal communication

Education:

• Bachelor’s degree/University degree or equivalent experience

Support unsecured credit strategic initiatives and analytics team in simplification and standardization of Risk Appetite Framework and Reporting to drive business forward. Perform cross portfolio analytics to support leadership and 2nd line.Role Summary:Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits by minimizing the lossesSupport tactical and strategic Risk Analytics projects for Citi’s Retail Services Group in the US.Independently manage development and implementation of effective risk management strategies that balances the risk and reward of the portfolioApply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processesApply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies.Must be able to effectively provide updates and communicate key initiatives to senior risk management.Analyze tests and performance using SAS and decision tree (CHAID/ CART)Evaluate effectiveness of current policies and strategiesResponsibilities:Must have capability to clearly develop and communicate analysisA good understanding of credit life cycleMust have hands on expertise in developing and managing segmentationsPresentations to both technical and non-technical personnel are required to be made frequently as part of the jobAbility to work efficiently in a matrix environment balancing between both business and functional interactions and priorities.Skills:Experienced in developing, implementing, and monitoring credit strategies or scoring models across authorizations, underwriting, existing customer management and collectionsProgramming skills in advanced SAS, SQL, Knowledge Studio, SAS E-miner in mainframe, UNIX and PC environments.Highly proficient in Excel/pivot tables and PowerPoint.Exposure to project/process managementStrong communication and presentation skills targeting a variety of audiencesFlexibility in approach and thought process Strong influencing and facilitation skills.Qualifications:5+ years of relevant experienceExperience in financial analysis, accounting, and valuationConsistently demonstrate clear and concise written and verbal communicationEducation:Master’s degree/University preferredJob Family Group: Risk ManagementJob Family: Portfolio Credit Risk ManagementTime Type: Full timeCiti is an equal opportunity and affirmative action employer.Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.Citigroup Inc. and its subsidiaries (“Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review .View the ” ” poster. View the .View the .View the

Expected salary:

Location: Mumbai, Maharashtra

Job date: Thu, 17 Apr 2025 22:53:38 GMT

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