About Consumer Risk Group

The Consumer In-Business Risk Team looks after the Credit Policy formulation, Monitoring, Portfolio Analysis and Global and Regional reporting for the Cards, PL and Mortgages business of Citibank India.

Role Outline/Job Summary

This role is to fill-in the new position of Mortgage Credit Acquisition Risk Analyst for Mortgage business. The incumbent will assist the Portfolio Credit Risk Head & the Credit Acquisition Risk Manager in high ticket underwriting, monitoring & enhancing existing credit policy framework by using various analytics tools and work in collaboration with various business stakeholders.

Job Description

POSITION TITLE - Mortgage Credit Acquisition Risk Analyst

BUSINESS GROUP - Consumer Risk

FUNCTION/GROUP - Mortgage Risk

LOCATION - Gurgaon

A. ROLE & RESPONSIBILITIES

Business/ Department

Objectives:

The objective is to appoint a matured individual who will take active part in sharing the responsibilities of the Credit Acquisition Risk Manager

Core Responsibilities:

1. Evaluate & recommend on new Credit initiatives/products/test programs based on portfolio analysis & keeping in mind prevailing economic environment and business need.

2. Assist Credit Acquisition Risk Manager and Portfolio Risk Head in high ticket underwriting and Monthly monitoring / analysis of Portfolio performance and review with Portfolio Risk Head.

3. Industry and Sectoral monitoring.

4. High ticket underwriting.

Day-to-Day Responsibilities:

1. Assist the Credit Acquisition Risk Manager in underwriting transactions sent by Business / CI team.

2. Involvement in Risk & Control Self Assessments (MCA), IA, FCR & Peer Review etc.

3. Involvement in presentations to Risk / Business Seniors, Region and Global.

Financial/ Budgetary: Not Applicable

Individual Contributor (IC)/Managerial - Individual Contributor

Key Deliverables:

1. Underwriting transactions.

2. Credit policy monitoring and analysis.

3. Regional and Global presentations.

Relocation - Yes but in location candidates will be preferred.

A. QUALIFICATIONS

Education - Chartered Accountant / MBA from Tier 1 / Tier 2 Institutes

Experience - 6 years

Skills - MS Excel, MS Powerpoint ( Knowledge of DWH BO / SAS will be welcome )

Other:

ORGANIZATIONAL RELATIONSHIPS

Reports to

Direct:

Credit Acquisition Risk Manager

Partnerships

Internal:

Credit Initiation, Business, Consumer Ops and Fincon

External:

Credit Bureau

B. DEVELOPMENT

Career Progression:

The role shall help the incumbent to get a complete end to end understanding of Mortgages business. The potential career progression is both lateral and vertical in other products / people management roles.

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