Citi Credit Portfolio Senior Manager in Gurgaon, India

  • Primary Location: India,Haryana,Gurgaon

  • Education: Master's Degree

  • Job Function: Risk Management

  • Schedule: Full-time

  • Shift: Day Job

  • Employee Status: Regular

  • Travel Time: Yes, 10 % of the Time

  • Job ID: 18044752



  • Prioritizes and processes incoming credit requests, checks completion of package received from RM and ensures timely completion of credit underwriting/CA including any interim transaction requests

  • Conduct an objective and thorough credit analysis of the financial condition and credit-worthiness of existing and new to bank borrowers using analysis of historical and projected financial statements, biographical data, market information, credit reports and other data

  • Identifies key transactional risks & mitigates

  • Raise relevant questions to drive deeper analysis of customers for annual reviews and new underwritings

  • Maintain in depth knowledge of Citi credit and policies and practices and applicable local and US regulations to assist the Business in achieving compliance and satisfactory internal and external audit results

  • Continue to generate ideas for improving lending process efficiency

  • Structuring competitive credit proposals aligned with risk standards and with understanding the client’s strategic and financial objectives/needs



  • Work with RM’s in the market on new client on-boarding, underwriting, credit reviews, and annual renewals of existing credit facilities

  • Assist RM’s with the preparation and presentation of materials for credit approvals

  • Work with Independent Risk and Early Warning teams to timely identify and escalate risk issues/trends - this would include making credit calls on clients

  • Work with RMs & Risk on preparing CCR for Special Mention names and monitoring triggers and agreed action plans

  • Complete all relevant training (classroom and/or self-paced)

  • Build and maintain a sound understanding of Citi products, policies and processes(within Commercial Banking and the broader organization)

Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.