Credit Officer - C12 - MUMBAI

The Credit Officer 2 is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual.

Responsibilities: Develop recommendations to adjust credit policies by analyzing credit and financial performance utilizing statistical scoring, segmentation, regression and simulation techniques Implement initiatives to ensure consistency and compliance with credit policies Utilize SAS in a UNIX environment to perform risk, financial and data analysis including profiling, sampling, reconciliation, and quality testing Prepare risk management presentations for senior management that include analytics on portfolio performance, emerging trends and areas of opportunity 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.

Recommended Qualifications: 5-8 years relevant experience Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics (Master’s degree preferred) Previous experience in credit card risk management or equivalent training and experience preferably in the financial services industry Ability to apply credit and risk principles toward business goals Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency Must be highly organized and able to work in a fast paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills Extensive knowledge of SAS or SQL programming and literacy with MS Office software required

Education: Bachelor’s/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Job Family Group: Risk Management

Job Family: Credit Risk

Time Type: Full time

Most Relevant Skills Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.   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 Accessibility at Citi .

View Citi’s EEO Policy Statement and the Know Your Rights poster.