Consumer Cards Credit Portfolio Analyst, Officer at Citi

Bengaluru, karnataka, India -

Full Time

Start Date

Immediate

Expiry Date

16 Apr, 26

Salary

0.0

Posted On

16 Jan, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Risk Analytics, SQL, SAS, Python, Data Visualization, Strategic Thinking, Problem Structuring, Communication, Portfolio Monitoring, Risk Indicators, Analytical Thinking, Collaboration, Attention to Detail, Adaptability, Financial Analytics, Consumer Lending

Industry

Financial Services

Description

Portfolio Monitoring & Strategic Insights Own end-to-end portfolio risk monitoring across delinquency, losses, payment behavior, and utilization. Lead vintage, cohort, and segmentation analysis to identify structural vs cyclical risk trends. Diagnose root causes of performance shifts and quantify P&L and capital impact. Define key risk indicators and ensure timely escalation of emerging risks. Support creation and maintenance of risk dashboards and MIS. Assist in diagnosing portfolio performance changes and segment-level risk drivers. 1.5 to 4 years of experience in credit card risk analytics, consumer lending, or financial analytics. Master's degree in business, Statistics, Mathematics, Finance, Economics, or related quantitative fields. Advanced SQL; strong experience in SAS and/or Python. Strong command of credit risk analytics: vintage, segmentation, forecasting. Expertise in translating analytics into business decisions. Advanced PowerPoint storytelling and data visualization. Deep understanding of credit card lifecycle and risk economics. Ability to influence decisions through data and judgment. Strong strategic thinking and problem structuring. Structured thinking and attention to detail. Comfort engaging with senior leadership. Willingness to learn and take increasing ownership. Ability to work collaboratively across teams. Clear and concise written and verbal communication. Good understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk, with demonstrated experience in reviewing these factors and challenging any discrepancies. Crete value and contributes to the success of the team. Ability to work with little or no direction and in a team. Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment. ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Portfolio Credit Risk Management ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Evaluate early lifecycle risk (FPD, early delinquency) and recommend corrective actions. Own end-to-end ECM strategy across CLI, CLD, authorization rules, and line management for defined portfolios or segments. Define risk-based customer segmentation frameworks using behavioral, transactional, and bureau data. Lead design and refinement of ECM policies and control frameworks to align with risk appetite and customer fairness standards. Evaluate and approve risk-return trade-offs for ECM initiatives, balancing loss mitigation, spend growth, and customer experience. Partner with Fraud, Collections, Product, and Marketing leaders to ensure consistent and effective ECM execution. Lead post-implementation performance reviews, identify root causes of deviations, and drive corrective actions. Provide clear, executive-ready recommendations for ECM strategy decisions and governance forums. Ensure strong controls, documentation, and audit readiness for all ECM-related strategies. Prepare clear, structured presentations for senior analysts and managers, ensure strong documentation, audit readiness, and control discipline. Participate in regular risk review forums as an analytical contributor.

Responsibilities

The role involves end-to-end portfolio risk monitoring, including analyzing delinquency, losses, and payment behavior. The analyst will also lead various analyses to identify risk trends and support the creation of risk dashboards.