Unsecured Credit Policy & Portfolio Analyst

  • Full Time
  • Dubai
  • Posted 4 weeks ago


Job Id: 22589251
Unsecured Credit Policy & Portfolio Analyst deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the sub-function/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses’ core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.

Provides analysis of a business’ financial trends, indicators and other client data for presentation to the Underwriting Manager for further discussion and consideration.
Manages the risk associated with new and existing borrowing relationships through the following:
Performs spreads of client business financial statements
Creates Customer Accounting Systems’ through Credit Platform
Recognizes potential client risk through early warning systems
Performs periodic financial statement review
Tracks established financial covenants
Monitors compliance to borrowing base credit facility
Accompanies Underwriting Manager on customer site visits (when appropriate)
Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors.
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.

2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
Analyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis

Bachelor’s/University degree or equivalent experience

The incumbent is a key resource in managing and developing all credit policy and process for consumer unsecured assets including acquisition and portfolio strategy (i.e. targeting, line assignment, cross sell, top-ups, activation/retention, balance transfer, credit line increase and authorizations), spanning for both Cards and Loans. She or he will also ensure adherence to standards established in the global policy; will regularly monitor portfolio performance/profitability, ensuring performance is within established benchmarks and risk appetite.
The incumbent will partner with colleagues within risk team to enhance process and policy inclusive of providing his/her support in collection strategies, controls and management of operational risk; execution and management of policy within specific geography working effectively with Product/Marketing, Finance, Credit and Collections organizations towards achievement of business target.

The incumbent will manage all risk aspects of cards and loans portfolio. Key dimensions include:

Analyze the total unsecured portfolio trend and patterns, evaluate information from multiple sources in order to maintain potentially complex and dynamic work flows for managing risk in pro-active basis. Ensure no surprises in managing risk.
Use leading indicator to understand market trends and adapt business strategy accordingly.
Risk Appetite framework definition and analysis; benchmark formulation; bureau and score use strategies, profitability analysis. Preparation of Risk Appetite Framework, generation of benchmarks analysis by business and risk segments, definition of target market.
Supporting profitable growth of the Cards and Loans products in the cluster: evaluation of business proposals, communication of policy changes. Ensure alignment of policies between products (cards and loans). Identify new opportunities by constantly reevaluating old credit policies and processes. Design and execute tests that will enable future growth, strategy optimization, expense savings, or process enhancements. Full P&L evaluation to ensure optimizing balance between risk and rewards
Monitor and validate credit policies across program and customer lifecycle. Develop tracking standards and review actual results versus forecasts with full analyses of any variances. Perform root-cause analysis to for any segment that is underperforming against expectations.
Ensure understanding of credit policies across the organization by conducting training for credit operations officers/ customer service/ sales/ etc
Ensure compliance with Global Policy and relevant risk related regulations; ensure compliance with local regulation.
Ensure and prepare that the adequate infrastructure (scorecards, systems, validations, MIS etc) is in place to properly manage the portfolio.
Define/enrich credit verification process/policy. Ensure controls over implementation of policy. Collectively manage end to end first party fraud prevention with Fraud risk management through velocity checks. Define companies listing policy and verification methods.
Work cross-functionally with key business partners to support all acquisition and portfolio management campaigns.
Development Value

Citi offers a unique opportunity of learning. Business dynamics differ across all market in the cluster and at the same time differ from all other EMEA/APAC countries. Market dynamics and customer profile are different due to market peculiarities.
Opportunity to work in an investment to grow market with significant potentials.
It’s an opportunity to enhance a way to think differently. To develop and learn how to manage simultaneously product and geography.
Opportunity to work in multicultural diverse environment
Knowledge and Experience:

At least 3-5 years of experience in cards/loans policy or consumer risk management.
Strong understanding of risk management and business strategies/ actions as well as Credit Bureau.
Extensive understanding of the full credit life cycle with a particular focus on implementation and analytics.
Ability to develop and perform analysis that addresses concerns and issues in a clear and concise manner.
Ability to develop partnerships across multiple business and functional areas.

Proficient in SQL, SAS – Requires at least 3 years of experience in SAS
Excellent proficiency in MS Office (Excel, Power point & Word)
Strong quantitative & analytic skills and excellent analytical thinking.
Strong written and oral communication skills.
Proven ability to communicate to widespread audiences and project teams.
Strong interpersonal skills and ability to influence across teams.
Inspired by sane ethic principles, have a high degree of professionalism and business etiquette. Independent thinker.
Display flexibility to work well with varying personal styles and tight deadlines

Bachelors or higher degree in analytical field and/or relevant work experience.
Overall understanding of Acquisition and Maintenance policies and processes.
Strong communication and teamwork skills. Builds strong working relationships within and outside work group.
Strong multi-tasking abilities and results oriented.

Incorporate Risk/Reward logic to all decision making. Good working knowledge of a P and L and an understanding of the levers impacting profit and risk. Ability to create “what if” scenarios.
Develop, validate risk model and evaluate its effectiveness. Understand the impact on policy decisions or directions on risk.
Sense of ownership and entrepreneurship in managing day to day business as well as establish and manage towards medium long term objectives.
Ability to define and think process wise in order to ensure flawless execution of strategies.
Ability to create and enhance policy and processes.
Job Family Group:
Risk Management
Job Family:
Credit Decisions
Time Type:
Full time
Citi is an equal opportunity and affirmative action employer.
Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Citigroup Inc. and its subsidiaries (“Citi”) invite all qualified interested applicants to apply for career opportunities. 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 the “EEO is the Law” poster. View the EEO is the Law Supplement.
View the EEO Policy Statement.
View the Pay Transparency Posting

To apply for this job please visit jobs.citi.com.

Job Location