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Tier-1 bank, mid-level credit-risk role in Gurgaon with common SQL/Python skills increases competition.
Requires deep card and lending analytics and regulatory risk expertise, limiting cross-industry transferability.
Mandatory 4+ years plus advanced SQL, SAS/Python and domain expertise imposes high shortlisting strictness.
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Conduct credit reviews, credit approval, and monitor portfolio credit migration in coordination with Risk Management.
Prepare and present structured, executive-ready credit risk analysis and insights for senior risk and business leaders, and lead risk governance discussions.
Ensure strong documentation, audit readiness, control discipline, and compliance with laws, policies, and risk standards to safeguard Citigroup and its assets.
4+ years of relevant experience in credit card risk analytics, consumer lending, or financial analytics.
Bachelor's degree or equivalent in Business, Statistics, Mathematics, Finance, Economics, or related quantitative field.
Advanced SQL skills and strong experience in SAS and/or Python.
Not explicitly mentioned in the JD: Notice period or strict location requirements.
Experienced in credit risk analytics including vintage analysis, segmentation, forecasting, and understanding complex risk factors like stress testing, collateral risk, concentration, liquidity, and wrong way risk.
Able to translate analytics into actionable business decisions with strong strategic thinking and the ability to influence senior stakeholders.
Capable of clear, concise communication, advanced data visualization, and storytelling geared towards senior risk and business leadership.