Mortgage Servicing-Credit Risk Strategy & Analytics - Vice President

Citi — Gurgaon Haryana India

The Mortgage Servicing Credit Risk Strategy & Analytics role will support the development, implementation, and management of default risk, credit losses, collection/loss-mitigation and OREO strategies and policies for consumer mortgage lending portfolios. This includes leading credit analytics in assessing various internal and external data sources for inclusion into policies and default risk strategies to optimize risk-reward tradeoffs for credit portfolios. This role requires a deep level of understanding of statistics, data, modeling, and analytical tools to creatively support the responsible growth and risk management of assigned portfolios.聽 RESPONSIBILITIES Assist in developing credit portfolio management strategies across default life cycle (collections, loss-mitigation, foreclosure & REO) 聽internally and with strategic partners by leveraging data analytics inclusive of score-based models, on-us/off-us data, and business rules Support Portfolio Risk Manager to optimize risk-return dynamics by overseeing credit/default risk and/or collection strategies and developing recommendations for policy optimization throughout the default lifecycle Develop framework for portfolio risk assessment including evaluation of credit, financial and collections performance across varied segments of mortgage residential portfolios. Understand applicable credit policies, industry regulations and the requisite impact of those governance items to new initiatives Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, forecasting and new program due diligence Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity Stay abreast of emerging industry trends in data analytics and perform proactive analytics to assess and support portfolio and origination strategies Proactively identify emerging risk

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