Credit and Portfolio Risk Analyst 3 (Manager)
Citigroup Inc
Mumbai, MH, IND
35d ago

Job Description :

  • POSITION TITLE : Credit and Portfolio Risk
  • Analyst 3 (Manager)
  • BUSINESS GROUP : CSIL
  • Grade / Level : C11
  • FUNCTION / GROUP : Citi Retail Services - Risk Management Analytics
  • DEPARTMENT : Portfolio Risk Analytics
  • LOCATION : Mumbai
  • Role and Responsibilities :

    Business / Department Objectives :

  • Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses
  • Core Responsibilities :

    Responsibilities will include :

  • Support 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 help mitigate credit losses
  • Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes
  • Apply 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
  • Analyzing tests and performance using SAS and decision tree (CHAID / CART)
  • Evaluating effectiveness of current policies and strategies
  • Day-to-Day Responsibilities :

  • Driving credit risk policies in any of the following areas authorizations, underwriting, existing customer management
  • To define, analyze, implement, and monitor credit risk strategies
  • Must have capability to clearly develop and communicate analysis
  • A good understanding of Credit life cycle
  • Must have hands on expertise in developing and managing segmentation
  • Presentations to both technical and non-technical personnel are required to be made frequently as part of the job
  • Ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities
  • Individual Contributor (IC) / Managerial : Individual Contributor
  • Key Deliverables :

  • Create and support approved strategies through implementation
  • Perform Ad hoc analysis to support it, communicate results clearly, and understand cause and effect relationships
  • Provide insight into the data through MIS and deeper analytics
  • Summarize analytic reports into presentations and share analyses and reports with senior leadership
  • Ability to manage multiple priorities
  • Percentage of Travel : No
  • Relocation : Yes
  • QUALIFICATIONS : Required Preferred :

    Required Preferred :

  • Education : Bachelor’s degree in a quantitative discipline : Mathematics, Economics, Operations Research, Statistics Master’s degree in a quantitative discipline : Mathematics, Economics, Operations Research, Statistics
  • Experience : 5+ years of relevant experience
  • Certifications : NA
  • Skills :

  • Strong analytical skills in conducting sophisticate analysis using bureau / vendor data, customer performance data and marketing data to solve business problems
  • Good programming skills in advanced SAS and SQL in mainframe, UNIX and PC environments
  • Highly proficient in Excel / pivot tables and PowerPoint
  • Credit card industry experience especially in an analytics or policy role is preferred
  • Other :

  • Exposure to project / process management
  • Strong communication and presentation skills targeting a variety of audiences
  • A qualified candidate needs to be able to work with cross functional teams
  • Creates and sustains a network of strong client relationships
  • Flexibility in approach and thought process
  • Ability to work effectively across portfolio risk policy teams and functional areas teams
  • Strong influencing, negotiating, and facilitation skills
  • Analytical mindset
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