VP - Credit Risk Oversight Digital Analytics Specialist (India - Hybrid)

Citigroup

Mumbai, Maharashtra
Permanent
Full-time

13 days ago

The Risk Policy Officer is a strategic professional who stays abreast of developments within own field and contributes to directional strategy by considering their application in own job and the business. Recognized technical authority for an area within the business. Requires basic commercial awareness. There are typically multiple people within the business that provide the same level of subject matter expertise. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Significant impact on the area through complex deliverables. Provides advice and counsel related to the technology or operations of the business. Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.Responsibilities:

Responsibility covers managing portfolio risk policy for the aligned products, focusing on growing and maintaining healthy portfolios through line and various accounts maintenance programs such as limit increase/ decrease, accounts renewals/ closure, cross-selling between products
Manage merchant policy for Cards product, focusing on healthy merchant business through managed exposure and governing of merchant acquiring policy
Manage 3rd party exposure and key money policy (as applicable), ensuring controllable exposure according to risk appetite
Work together with counterparts from Business, Sales, Credit Operations, Decision Management, Operations & Technology to ensure correct policy implementation at an operational level
Interact with regional counterparts for policy approval and adherence to Global/Regional Policy requirement
Provide analytics at portfolio and segment levels for the purpose of monitoring, making policy adjustments, provide sound credit decisions with the ultimate goal of optimizing risk and rewards
Work together with the Risk MIS team, in charge of Credit Risk Reporting and Portfolio Quality Review Reporting, as well as facilitating ad-hoc reporting as needed
Responsible for reporting and accuracy of critical portfolio data returns to the Bank's key regulators
Responsible for the regular validation as well as new development of the portfolio score & segmentation models through collaboration with regional and global risk analytics team
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:

6-10 years experience in Statistics/Analytics/Decision Management will be desirable
Highly ethical and with integrity
Excellent verbal and written English communication skills
Effective listening skills
Candidates must have effective negotiation skills, a proactive and 'no surprises' approach in communicating Risk issues, strength in sustaining autonomous views
Able to work across levels in risk management and also with other operations and business teams
Excellent Presentation skills – adept at presenting effectively to audiences of various sizes and adapting style as necessary
Able to identify and influence key decision makers across various levels and functions within the organization
Able to work in a rapidly changing external environment and support business in a highly competitive and challenging market

Education:

Bachelor’s/University degree, Master’s degree preferred

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.Developing dashboards in Tableau for various Risk Oversight ProcessesAutomation using Python for different manual processes.Job Family Group: Risk ManagementJob Family: Risk PolicyTime 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

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