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Risk Policy Analyst- C11-Mumbai/Gurgaon/Pune

Job Req ID 22553717 Location(s) Mumbai, India; Pune, India Job Category Risk Management
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The Risk Policy Intmd Analyst is a developing professional role. 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 subfunction/ 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.


  • Design and manage collection strategy across portfolio and buckets for pre-write off accounts. Regularly review policy and performance.
  • Regularly review segmentation/collection treatments and identify business opportunity with analytic support. Leverage sophisticated statistical tools like TRIAD/ decision tree, etc. are as keys to segment portfolio and implement targeted actions.
  • Manage the TRIAD application and ensure correctness of execution.
  • Implement champion/challengers and support roll out based on cost/benefit justification.
  • Review, implement and ensure collection policy/procedure is in compliance with local and global regulations and policy requirements. regulatory/requirement.
  • Ensure effectiveness and validity of scoring models.
  • Ensure that the quality of the portfolio is within standard by monitoring and reviewing performance in terms of delinquency, credit losses, profitability and booking profile at segment and vintage levels
  • Generates, analyzes, and presents relevant performance MIS/reports.
  • Aids initiatives on new volume growth, process streamlining, and compliance to global credit and risk policies and local laws and regulations
  • 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.


  • 5-7 years previous experience
  • Proficient analytical and quantitative skills. • Excellent computer skills and programming ability
  • Good command in both written and spoken English.
  • Dedicated and focused, able to prioritize and complete multiple tasks at the same time and follow through to achieve project goals.
  • Fast leaner and good attitude
  • Thorough and highly attentive to detail
  • Able to produce quality and accurate output under very tight deadlines


  • Bachelor’s/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.


Job Family Group:

Risk Management


Job Family:

Risk Policy


Time Type:


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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.

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