3 Credit Strategies Jobs

The Credit Portfolio Intermediate Analyst position at Citi involves conducting credit reviews, approvals, and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The main objective is to manage Citi's portfolio exposure to clients and counterparties globally. Responsibilities include resolving issues, integrating specialty area knowledge with industry standards, serving as an industry expert and advisor, analyzing and approving counter-party credit limits, developing risk management frameworks, advising businesses and clients on transaction structures, and operating with a limited level of direct supervision. The role also involves exercising independence of judgment and autonomy, acting as a subject matter expert to senior stakeholders, and appropriately assessing risks in business decisions to safeguard Citigroup's reputation and assets. Qualifications for this role include 4+ years of relevant experience, expertise in financial analysis, accounting, and valuation, as well as demonstrating clear and concise written and verbal communication skills. A Bachelor's degree or equivalent experience is required. In the role summary, the Credit Portfolio Intermediate Analyst is expected to enhance and improve Risk policies using statistical techniques, support tactical and strategic Risk Analytics projects, manage the development and implementation of risk management strategies, apply analytical techniques to customer and transaction data, and effectively communicate key initiatives to senior risk management. Skills required include developing, implementing, and monitoring credit strategies, proficiency in SAS, SQL, Knowledge Studio, SAS E-miner, Excel, and PowerPoint, exposure to project/process management, and strong communication and presentation skills. Qualifications remain the same with 4+ years of relevant experience, financial analysis, accounting, and valuation expertise, and clear written and verbal communication skills. A Master's degree is preferred. This position falls under the Risk Management Job Family Group and specifically under the Portfolio Credit Risk Management Job Family. It is a full-time role.,

About Credit Saison India Established in 2019, Credit Saison India (CS India) is one of the fastest-growing Non-Bank Financial Company (NBFC) lenders in the country. With verticals in wholesale, direct lending, and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs, CS India's tech-enabled model and underwriting capability facilitate lending at scale, addressing India's significant credit gap, particularly in underserved and underpenetrated segments of the population. Committed to long-term growth and evolution in the Indian market, Credit Saison India caters to MSMEs, households, individuals, and more. Registered with the Reserve Bank of India (RBI) and boasting an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings, CS India currently operates through a branch network of 45 physical offices, servicing 1.2 million active loans, managing an AUM of over US$1.5 billion, and employing approximately 1,000 individuals. Part of Saison International, a global financial company dedicated to bringing people, partners, and technology together to create resilient and innovative financial solutions for positive impact, Credit Saison India aligns with Saison International's mission to be a transformative partner in enabling opportunities and fulfilling people's dreams. Roles & Responsibilities: - Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identifying delinquent segments, programs, locations, and profiles. - Assist in developing credit strategies across the customer lifecycle, including acquisitions, management, fraud, and collections. - Perform necessary analytics to identify trends within the Portfolio. - Provide analytical support for internal portfolio reviews and enhance the portfolio's quality. - Collaborate with the Product and Engineering teams to implement Risk strategies. - Work with the Data Science team to provide inputs on key model variables and optimize risk models" cut-offs. - Develop a deep understanding of various data sources (Traditional and alternate) for effective underwriting. - Demonstrate a good understanding of various unsecured credit products. - Analyze business problems and convert them into analytical solutions. Required Skills & Qualifications: - Bachelor's degree in Computer Science, Engineering, or a related field from a top-tier institution (IIT/IIIT/NIT/BITS). - 5+ years of experience in Data Science, Risk Analytics, or Risk Management, with expertise in building models, Risk strategies, or generating risk insights. - Proficiency in SQL and other analytical tools/scripting languages like Python or R. - Deep understanding of statistical concepts, including descriptive analysis, experimental design, Bayesian statistics, confidence intervals, and Probability distributions. - Proficiency in statistical and data mining techniques. - Experience with machine learning techniques such as decision tree learning. - Familiarity with working on both structured and unstructured data. - Preferred experience in Fintech, Retail, SME, LAP, or Secured lending domains.,

About Credit Saison India Established in 2019, Credit Saison India (CS India) is one of the country's fastest-growing Non-Bank Financial Company (NBFC) lenders, operating in wholesale, direct lending, and tech-enabled partnerships with other NBFCs and fintech companies. Its tech-enabled model, combined with strong underwriting capabilities, enables lending at scale to address India's significant credit gap, especially within underserved and underpenetrated segments of the population. CS India is dedicated to expanding as a lender and enhancing its offerings in India for the long term, focusing on MSMEs, households, individuals, and more. Registered with the Reserve Bank of India (RBI), CS India holds an AAA rating from CRISIL and CARE Ratings. Currently, CS India boasts a network of 45 physical offices, servicing 1.2 million active loans, managing an AUM exceeding US$1.5 billion, and employing approximately 1,000 professionals. As part of Saison International, a global financial company, CS India aligns with the mission of fostering resilient and innovative financial solutions through the integration of people, partners, and technology for positive impact. Saison International, headquartered in Singapore, operates across various countries including Singapore, India, Indonesia, Thailand, Vietnam, Mexico, and Brazil. Roles & Responsibilities: - Conduct portfolio analysis and monitor portfolio delinquencies at a micro level to identify segments, programs, locations, and profiles that are performing well or are delinquent. - Assist in developing credit strategies across the customer lifecycle, including acquisitions, management, fraud prevention, and collections. - Identify trends through comprehensive analytics on various portfolio cuts. - Provide analytical support for internal portfolio reviews and enhance portfolio quality. - Collaborate with the Product and Engineering teams to implement risk strategies effectively. - Work with the Data Science team to offer insights on key model variables and optimize risk models" cutoff points. - Gain a thorough understanding of various data sources, both traditional and alternate, and utilize them optimally in underwriting. - Demonstrate proficiency in unsecured credit products and convert business challenges into analytical solutions. Required Skills & Qualifications: - Bachelor's degree in Computer Science, Engineering, or a related field from a reputed institution (IIT/IIIT/NIT/BITS). - 2-5 years of experience in Data Science, Risk Analytics, or Risk Management, with a focus on building models, risk strategies, or generating risk insights. - Proficiency in SQL and other analytical tools/scripting languages like Python or R. - Deep understanding of statistical concepts, including descriptive analysis, experimental design, Bayesian statistics, confidence intervals, and probability distributions. - Proficient in statistical and data mining techniques, as well as machine learning techniques such as decision tree learning. - Experience working with both structured and unstructured data. - Preferred experience in Fintech or Retail/SME/LAP/Secured lending.,