Citibank - Senior Analyst/AVP - Country Risk

Primary Location: Mumbai, India

Job Category: Risk Management

Job Description :

- The Country Risk Senior Analyst /AVP is a seasoned professional role. Partners with functional stakeholders across the bank for enabling new digital products.

- Assists credit analysis, including annual credit reviews, portfolio reviews, classified credit reviews.

- Identifies and analyzes situations that create risk and legal liability for Citi, utilizing various resources such as credit reports, score cards, risk systems, and knowledge of the elements of Risk.

- Understands and applies the GCCFRP principles to all lending initiatives and for gapping analysis against global policy

- Assesses risks and analyses existing and new relationships - including periodic review of financial results and statements to monitor operating performance, liquidity position and financial condition.

- Maintains sound understanding about different markets, products, strategies, tools and associated risks.

- Creates documentation required for launching new products and collaborates with stakeholders in getting the requisite approvals for the same.

- Participates in creating new onboarding criteria for segments which may be traditionally viewed as high risk - through the use of data driven models.

- Collaborates as appropriate with product partners and relationship teams for new and/or refinancing credit transactions such as term loans or event-driven financing with specific responsibility for risk analysis, preparation of financial model and sensitivity analysis.

- Reviews of results/scripts/reports feedback to business to enhance and refine corrective action plan to ensure developments are in sync.

- Participates in regular portfolio stress testing.

Required skills :

- 5-8 years of experience

- Knowledge of institutional and regulatory credit policies with good knowledge of accounting, product and finance principles

- Knowledge and understanding of Banking operations (International and domestic)

- Knowledge about risk systems infrastructure including key processes, coverage and data flows in order to identify risk effectively.

- Demonstrated Credit and Analytical skills.

- Excellent verbal and written communication skills. Effective team player and interpersonal skills.

- Ability to work under pressure, multi-task and prioritize to meet deadlines.

- Proficient skills in SAS, SQL, Excel, Word and PowerPoint

- Experience in use of segmentation and CHAID tools like SAS Miner and/or Knowledge Seeker

- Ability to present / justify data and participate in leadership meetings and regulatory meetings

- Highly proficient in MS Office - (Excel, Access, PowerPoint)