דרושים Vp - Credit Risk Analytics C13 ב-Citi Group ב-India, Mumbai

Responsibilities:

• Conduct risk assessments and client credit analyses, review financial results and peer analyses and prepare financial projections
• Prepare green-light and transaction approval memos, conduct due diligence, build cash flow models and conduct sensitivity analyses
• Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite
• Assist with portfolio review preparation and conducting stress tests
• Build working relationships with various teams across the bank, including deal, coverage and product teams
• 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:

• 2+ years of experience in credit risk analysis or corporate banking
• Experience in financial analysis, accounting and valuation
• Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
• Consistently demonstrate clear and concise written and verbal communication
• Proven ability to work with little direction and in a team
• Demonstrated accountability, self-motivation and business acumen

Education:

• Bachelor's degree/University degree or equivalent experience

• ROLE & 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:

  • 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:

  • Must have capability to clearly develop and communicate analysis

  • A good understanding of Credit life cycle andCollections/Recoveries

  • 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.

  Key Deliverables:

  • Provide insight into the data through MIS and deeper analytics

  • Summarize analytic reports into presentations and share analyses and reports with senior leadership

  Qualifications Required

  Education

  :

  Bachelor’s degree in a quantitative discipline: Mathematics, Economics, Operations Research, And Statistics

  Master’s degree in a quantitative discipline: Mathematics, Economics, Operations Research, Statistics is preferred

  Experience

  :

  2+ years of relevant experience

  Skills

  :

Time Type:

Responsibilities:

• Maintain compliance with Citibank credit policies/practices, regulatory policies and prepare, update, and ensure approval of all internal policy and procedure changes, keeping proper change and approval logs
• Conduct managerial responsibilities, including coaching/mentoring, performance management and evaluation (including managing the Review the Reviewer process), work assignment management and resource/capacity management, monitoring and escalating as needed
• Continuously identify process improvements and efficiencies to support business unit goals through dissecting issues and making recommendations
• Monitor daily queue dashboard and production reports and address production and/or pipeline management issues, serving as a an escalation point of contact for these and SLA related issues with the goal of enhancing customer experience
• Conduct analyses related to policy (e.g., benefits tracking), bureau and alternate credit information, risk and reward trade-off, etc. by leveraging data and creating ad-hoc analyses/management information systems (MIS)
• Identify business opportunities, develop credit tests and risk strategies, balancing risk and return, and work with cross-functional teams to ensure flawless execution of policy tests and strategies
• 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, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.

Qualifications:

• 10+ years of experience with analytical or data manipulation tools (e.g., SAS, SQL, R, SPSS)
• Experience with econometric and statistical modeling or application risk scoring
• Experience in big data with knowledge of probabilities/distributions, building decision trees and regression models
• Proficiency in MS Office
• Proven ability to derive patterns, trends and insights, perform risk/reward trade-off analyses and connect these analytics to business impacts
• Demonstrated quantitative, presentation and analytic skills
• Consistently demonstrate clear and concise written and verbal communication

Education:

• Bachelor's degree/University degree or equivalent experience
• Master's degree preferred

• Proficient in project management
• Experienced in managing diverse teams
• Expert in problem solving.
• Experience in Stakeholder/Partner management

Time Type:

Individuals in Issue Management are responsible for the coordination and comprehensive management of issues with key stakeholders, such that Citi achieves and maintains compliance and appropriately remediates findings from internal and external reviews as well as self-identified issues. Includes coordinating with key stakeholders to investigate controls gaps or failures, develop corrective action plans, and provide robust challenge enabling the key stakeholders to implement sustainable solutions by addressing root causes and adopting enhanced discipline including consideration of lessons learned for the timely closure of issues.

Responsibilities:

• Assist in the coordination and comprehensive management of issues with key stakeholders
• Support issue quality reviews ensuring compliance with Issue Management Policy, Standards and Procedures
• Facilitate Business / Function Quality Control engagement across the full lifecycle of high impact issue remediations and key remediation programs
• Maintain a robust tracking and reporting issue inventory including issue quality metrics to provide visibility on the status of control gaps and Issues quality control processes highlighting risk and escalating concerns in timely manner
• Provide challenge enabling the key stakeholders to implement sustainable solutions to address root causes
• Utilize analytics to assess issue remediation trends, identify key risks, and develop insights for process improvement
• Support identification and analysis of potential control gaps and operational risks across Citi, leveraging data analysis to assess impact.
• Support key stakeholders to develop corrective action plans to address identified control gaps or failures
• Incorporate lessons learned guidance into the development of corrective action plans, promoting continuous improvement and timely closure of issues
• Ensure compliance with all relevant regulatory requirements and internal policies
• Partner with internal audit, business units, and senior management, communicating effectively to drive issue resolution, influence decision-making, and promote a culture of risk awareness
• 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, as well as effectively supervise the activity of teams and create accountability with those who fail to maintain these standards

Qualifications:

• 10+ years of experience in operational risk management, compliance, audit, or other control-related functions in the financial services industry.
• Ability to identify, measure, and manage key risks and controls.
• Strong knowledge in the development and execution for controls.
• Proven experience in control related functions in the financial industry.
• Proven experience in implementing sustainable solutions and improving processes.
• Understanding of compliance laws, rules, regulations, and best practices.
• Understanding of Citi’s Policies, Standards, and Procedures.
• Strong analytical skills to evaluate complex risk and control activities and processes.
• Strong verbal and written communication skills, with a demonstrated ability to engage at the senior management level.
• Strong problem-solving and decision-making skills
• Ability to manage multiple tasks and priorities.
• Proficiency in Microsoft Office suite, particularly Excel, PowerPoint, and Word.

Education:

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

Time Type:

Responsibilities:

• The position requires a candidate with general management skills, leadership abilities and administrative experience, who can manage and lead a variety of activities geared at helping manage a global organization with resources and providing data & analytics solutions to all regions and lines of businesses. This includes building ties with other business teams. The individual will be a direct report to the Global Head of Oversight Technology and Process Risk while working closely with the senior Decision Management leadership in their planning, definition and execution of organizational strategy.
• Ability to review Risk Management Framework and policies and provide credible challenge
• Excellent organizational skills Governance skills and robust Project Management Skills e.g. reporting to senior management, assembling materials / packs to go to senior management
• Robust Business Analyst skills to independently lead workstreams / initiatives at the request of senior management
• The Business Sr. Lead Analyst will ensure that data is summarized from across the business to provide critical information to executive team
• Partner directly with various players across decision management groups, analyze data and evaluate multiple sources to develop recommendations on high-priority strategic initiatives, including the annual strategic plan
• Help to manage executable strategies, partnering across the organization
• Establish best practices and principles for the decision management organization globally
• Program/Project Management - Help provide oversight of the Business Critical Milestone Reporting process and various other executive / client / management reporting processes. Ensure quality, efficiency and accuracy throughout the reporting process.
• Communication - Work with the team and respective Decision Management leaders on the communication strategy (e.g. town halls, new hire events) for the department and facilitate the development of communication materials and presentations for senior management, including C-level management, the Board of Directors, Operating Committee and other key stakeholders as required
• 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:

• +5 years in Risk Management ideally within Wealth Risk Management
• 10+ years experience in global and complex settings with multiple stake holders
• 10+ years Business Analyst / PM skills - work experience in area related to analytics and/or strategy consulting

Education:

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

Time Type:

• Positions within Global Consumer Risk Management of Citi for Non Regulatory Decisions Models Performance Monitoring & Analytics for Unsecured / Secured portfolios.

  Core Responsibilities:

  This position within Global Consumer Banking will focus on model performanceMonitoring, Analytics & Insightsfor Non-Regulatory Decision Models for Unsecured products (e.g., Credit Cards). The responsibility includes but not limited to the following activities:

• Perform Root Cause Analysis explaining model performance to second line of defense and Policy teams for Business risk decisioning.
• Analyze & bring out Insights for Credit Risk Non-Regulatory Scoring/ Non-Scoring Segmentation models. This would include performance assessment, drill down root cause analysis for performance deterioration, coming up with mitigation action providing rational for continued usage of the model without business impact.
• Present model performance to senior stakeholders, CROs, Risk Policy managers, Sponsors explaining the heath of the model, connecting model metrices to business scenarios explaining the breach in model performance; understanding the incremental benefit the models bring to Risk strategies.
• Explain model performance to second line (Model Risk Management) of defense providing rational of model performance deterioration (if any), explaining the applicability of the usage of the model.
• Respond to queries from 3rd Line of Defense (Internal and External Auditors) on model performance.
• Work effectively across cross functional teams - Development, Implementation, Policy, Validation and Governance teams - coordinating the horizontal model usage and maintenance activities.
• Perform analysis for benchmark models and other adhoc analysis as required by business/validation teams.
• Develop knowledge and drive discussions on Model usage across channels, score range with Risk Strategy managers.
• Conduct QA/QC on all steps (e.g., input data, model output, etc.) required for model monitoring and production forecast reporting.
• Deliver comprehensive write-up of ongoing model performance assessment, Annual Model Review / Revalidation documents.
• Understand model variables and economic forecasts and conduct drill down analysis and reporting of model performances.
• Deliver end user computing process related mandates.
• Expected to manage own projects independently.
• Train and mentor junior team members on Model Monitoring, generating insights from different analysis required by business.

• Individual Contributor

  Education:

  Advanced Degree (Bachelors required or Masters preferred) in Statistics, Computer Science, Operations Research, Economics, etc. MBA s should apply only if they are interested in career in specialized quantitative risk management discipline.

  Skillset

• Strong programming (SAS, R, Python, etc.) skills.
• Experience in reporting tools - Excel, Tableau, Cognos
• Understanding of traditional modeling processes (linear/ logistic regression, segmentation, decision tree) and machine learning algorithms (Random Forest, Gradient Boosting, XG Boost, SVM, etc.), time series, linear/nonlinear optimization.
• Understanding of relevant model metrics / KPIs & bring out insights on model performance tracking.
• Good communication skill to communicate technical information verbally and in writing to both technical and non-technical audiences is a must.
• Extensive experience in model monitoring/validation, performance scorecards, etc. in Excel, Tableau, Cognos, etc.
• Experience in developing optimal/ automated solution of reporting processes using SAS, Excel VBA, Tableau will be a plus.

• Experience

• 5+ YEARS reporting & analytics experience.
• At least 5 years of extensive experience in reporting (risk/marketing) in portfolio reporting, model monitoring, generating business insights.
• Experience in automating reporting processes would be a plus.

Time Type:

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Responsibilities:

• Conduct risk assessments and client credit analyses, review financial results and peer analyses and prepare financial projections
• Prepare green-light and transaction approval memos, conduct due diligence, build cash flow models and conduct sensitivity analyses
• Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite
• Assist with portfolio review preparation and conducting stress tests
• Build working relationships with various teams across the bank, including deal, coverage and product teams
• 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:

• 2+ years of experience in credit risk analysis or corporate banking
• Experience in financial analysis, accounting and valuation
• Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
• Consistently demonstrate clear and concise written and verbal communication
• Proven ability to work with little direction and in a team
• Demonstrated accountability, self-motivation and business acumen

Education:

• Bachelor's degree/University degree or equivalent experience

• ROLE & 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:

  • 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:

  • Must have capability to clearly develop and communicate analysis
  • A good understanding of Credit life cycle andCollections/Recoveries
  • 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.

  Key Deliverables:

  • Provide insight into the data through MIS and deeper analytics
  • Summarize analytic reports into presentations and share analyses and reports with senior leadership

  QUALIFICATIONS

  Required

  Education

  :

  Bachelor’s degree in a quantitative discipline: Mathematics, Economics, Operations Research, And Statistics

  Master’s degree in a quantitative discipline: Mathematics, Economics, Operations Research, Statistics is preferred

  Experience

  :

  2+ years of relevant experience

  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

  Others:

Time Type:

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Controls Execution and Management BA PM – VP

Citi is seeking a candidate with strong analytical skills in support of the monitoring, management and performance of key controls for the data operations / metric production process through the collection, analysis, review, reporting, documentation and communication of business controls needs and requirements

This is a challenging role and the successful candidate will require considerable independent judgment and initiative as well as the use of data analysis, business problem solving skills, attention to detail and strong project management skills.

Strong communication and diplomacy skills are required to guide, influence, and convince others, particularly with respect to providing feedback on the adequacy and effectiveness of controls and any remedial actions required as part of controls assessments - excellent communication skills to work effectively across multiple teams and stakeholders.Responsibilities:

• Support the building and implementation of key controls for metrics production process through the collection, analysis, review, reporting, documentation and communication of business controls needs and requirements
• Support B&I metrics teams by consistent and appropriate approach to risk identification and develop an effective and efficient controls environment with the aim to mitigate risks and ensure regulatory compliance
• Assess design adequacy of controls, test operating effectiveness of implemented controls and advise / support B&I metrics control owners on the effective design and implementation of controls
• Executes assessment of development, monitoring and testing design for controls operated by the B&I metrics owners in line with the applicable Policies, Procedures and Standards
• Help coordinate governance and the facilitation of the execution of the Manager Control Assessment (MCA, i.e. Risk & Control Self-Assessment) as required by the MCA Standard including
• Collaborate with cross-functional teams (e.g., technology, finance, risk, and business units) to monitor project status and ensure alignment with Citi’s Data Governance Policy and standards
• Identify and address barriers to timely execution, mitigating risks and driving solutions
• Work with risk and defense teams (2nd and 3rd lines of defense) to ensure adherence to regulatory requirements and risk management best practices
• Leverage analytical tools such as SQL, Excel and data visualization platforms such as Tableau - to produce data analysis outputs to support decision-making

• Qualifications:
• 12+ years of experience in the Banking or Finance industry, with experience in data management, governance, or quality programs
• Experience with data concern management frameworks and regulatory requirements (e.g., BCBS 239) is a plus
• Familiarity with Citi’s technology architecture and multiple asset classes such as Banking, Interest Rates, Credit, FX, Commodities, Equities, and Prime is a plus.
• Strong analytical and problem-solving skills with attention to detail.
• Excellent communication and interpersonal skills, with the ability to collaborate across diverse teams.
• Ability to manage multiple tasks efficiently and meet deadlines in a fast-paced environment.
• Strong risk and control mindset, with experience working with 2nd and 3rd lines of defense functions.
• Proven ability to work effectively with large, complex, and diverse teams.
• Strong organizational skills with the ability to navigate complex systems and management processes.

Bachelor’s/University degree required; Master’s degree preferred

Time Type:

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