📋 Job Details at a Glance 📍 Location Gurgaon, Haryana, India 🏢 Company Citi 👥 Experience 4-7 years 🎓 Qualification Relevant technical / engineering background 📅 Eligible Batch 2023, 2024, 2025, 2026 📄 Job Type Full Time 💰 Salary Not Disclosed 🏢 Industry Banking & Finance 🛠 Key Skills Statistical Analysis System (SAS) Risk Appetite Management Credit Policy Analysis Portfolio Risk Assessment Credit Portfolio Monitoring Mortgage Portfolio Risk Management Analyst at Citi — Full Details & How to Apply Citi is hiring a Mortgage Portfolio Risk Management Analyst in Gurgaon, Haryana, India , offering unique exposure to using SAS in a UNIX environment —a capability less common in competitor roles. This role is part of Citi ’s structured recruitment for professionals with technical backgrounds in financial risk domains. This Mortgage Portfolio Risk Management Analyst role directly supports credit policy analysis and portfolio risk assessments, ensuring accurate monitoring of credit portfolios. The position requires proficiency in Statistical Analysis System (SAS) , Risk Appetite Management , and Credit Policy Analysis , enabling structured evaluation of mortgage portfolio performance and risk exposure within banking operations. Citi recruitment for this role emphasizes technical expertise and structured risk management workflows. The position is based in Gurgaon, Haryana, India and requires onsite work. The job is part of Citi ’s broader financial services operations, where technical analysts contribute to risk governance and portfolio stability. 2023, 2024, 2025, 2026 graduates with a relevant technical / engineering background and 4-7 years experience are eligible. The role does not disclose a salary figure; Not Disclosed is the official salary display. Candidates will gain hands-on experience in Statistical Analysis System (SAS) , Risk Appetite Management , Credit Policy Analysis , Portfolio Risk Assessment , and Credit Portfolio Monitoring . This role provides a clear progression path into financial risk management, with potential for advancement into senior risk analyst or portfolio management roles within the banking sector. 📊 Role Difficulty: Medium | Competition Level: Medium | Fresher Friendly: Yes NexisGrow.com features this opportunity as part of its curated non-tech job listings. All details are sourced from the official job posting. Apply online before the opportunity closes. in are available through . Apply online to access this role with onsite work in Gurgaon, Haryana, India. Job Role & Responsibilities The Mortgage Portfolio Risk Management Analyst at Citi ensures compliance with risk appetite guidelines by analyzing mortgage portfolio data using SAS and validating credit policy decisions through credit portfolio monitoring . This role directly supports the bank’s risk governance framework with measurable outcomes in portfolio performance and policy alignment. Utilize SAS to build statistical models that assess portfolio risk assessment metrics such as loss severity, concentration risk, and default probability across mortgage segments. Contribute to developing new risk management techniques by applying statistical modeling in SAS to evaluate historical default rates and credit exposure trends. Perform credit policy analysis using SAS outputs to identify deviations from credit policy analysis benchmarks and recommend policy adjustments. Monitor portfolio performance using real-time credit portfolio monitoring dashboards to track key metrics like delinquency rates and loss ratios against risk appetite management thresholds. Take ownership of end-to-end portfolio risk assessment projects, including data validation, model execution, and workflow optimization in SAS environments. Document risk assessment findings in structured reports that include credit policy analysis insights and portfolio risk assessment outcomes for executive review. Collaborate with the credit policy team to revise credit policy analysis parameters based on portfolio risk assessment results derived from SAS outputs. Engage in problem-solving to resolve client-facing risk events by applying credit portfolio monitoring data to detect early warning signals and trigger escalation protocols. This role demands direct ownership of risk assessment workflows, where every portfolio risk assessment output is tied to a measurable credit policy analysis outcome and validated through SAS reporting. Required Skills & Technical Competencies The Mortgage Portfolio Risk Management Analyst must possess a strong technical foundation in statistical analysis and risk evaluation, with hands-on experience using SAS and applying credit policy analysis to real portfolio data. All competencies are directly tied to operational risk management tasks. Technical Skills Statistical Analysis System (SAS) — advanced — used to execute statistical modeling, generate risk metrics, and produce automated reports for portfolio risk assessment and credit portfolio monitoring . Risk Appetite Management — intermediate — applied to define and track acceptable risk levels for mortgage portfolios, ensuring alignment with credit policy analysis and regulatory thresholds. Credit Policy Analysis — intermediate — used to evaluate current credit policies against portfolio performance and recommend changes based on portfolio risk assessment findings. Portfolio Risk Assessment — advanced — performed using SAS to quantify risk exposure across segments, including concentration, credit quality, and macroeconomic sensitivity. Credit Portfolio Monitoring — advanced — implemented through daily SAS -driven checks to detect anomalies, track delinquency trends, and flag potential breaches of risk appetite management limits. When showcasing these skills, emphasize SAS code examples, specific portfolio risk assessment outputs, and how credit policy analysis recommendations were derived from real data. Eligibility Criteria This role is designed for engineering graduates with a technical background who can apply analytical rigor to credit portfolio monitoring and portfolio risk assessment using SAS . Candidates must meet specific academic and experiential benchmarks. Must hold a degree in engineering or a related technical discipline with a focus on data, analytics, or systems. Eligible batches are 2023, 2024, 2025, and 2026 , with application windows aligned to academic year progression. Must have 4 to 7 years of relevant experience in financial data analysis, risk modeling, or portfolio evaluation. Minimum academic performance of 60% is required to ensure foundational competency in quantitative reasoning and technical problem-solving. Must have completed a portfolio project involving financial data analysis, risk modeling, or credit exposure evaluation using SAS or similar tools. Must demonstrate hands-on experience with credit portfolio monitoring or portfolio risk assessment in academic or internship settings. Documentation & Portfolio Requirements Your resume must include a dedicated section on portfolio risk assessment projects, listing tools used (e.g., SAS ), key metrics analyzed (e.g., delinquency rate, loss ratio), and outcomes evaluated against risk appetite management thresholds. For this role, prioritize showcasing a SAS project where you modeled portfolio risk assessment metrics and linked them to credit policy analysis outcomes — this directly mirrors the core responsibilities at Citi . Salary for Mortgage Portfolio Risk Management Analyst at Citi 💰 Compensation Not Disclosed The advertised compensation for the Mortgage Portfolio Risk Management Analyst role at Citi is Not Disclosed . The exact in-hand figure and any additional components are confirmed by the company during the offer or HR discussion stage. Recommended Courses & Preparation Tips for Mortgage Portfolio Risk Management Analyst Upskilling with the right resources significantly enhances your chances of selection for this specific role by equipping you with essential skills and knowledge. Recommended Courses & Resources MS Office — Proficiency in MS Office is crucial for data analysis and reporting tasks. Communication Skills — Effective communication is vital for presenting risk assessments and collaborating with teams. Boost your profile with relevant certifications at NexisGrow GetCertified — strengthen your application before you apply. Common Mistakes to Avoid ❌ Failing to tailor your resume to include specific skills mentioned in the job description. — Customize your resume for the role. ❌ Overlooking the importance of quantifiable achievements in previous roles. — Highlight measurable successes. ❌ Neglecting to highlight relevant internships or projects that demonstrate your capabilities. — Include pertinent experiences. ❌ Using generic language instead of specific terms related to risk management and analysis. — Use precise terminology. ❌ Not preparing for technical questions related to SAS and risk assessment during interviews. — Practice relevant technical questions. ❌ Submitting applications without proofreading for errors or inconsistencies. — Always review your application. Before You Apply — Checklist ✅ Research Citi 's values and mission to align your application with their culture. ✅ Update your resume to reflect relevant skills and experiences tailored to the job. ✅ Prepare a cover letter that specifically addresses the role and your qualifications. ✅ Gather any necessary documents, such as transcripts or certificates, for submission. ✅ Practice common interview questions related to risk management and financial analysis. ✅ Ensure your LinkedIn profile is updated and reflects your resume. ✅ Set reminders for application deadlines to avoid last-minute submissions. ✅ Follow up on your application status after submission to express continued interest. Resume Tailoring & ATS Keywords for Mortgage Portfolio Risk Management Analyst Optimizing your resume for ATS is crucial for ensuring it gets noticed for this role. ATS Keywords to Include Mortgage Portfolio Risk Management Statistical Analysis System Credit Policy Portfolio Risk Assessment Credit Portfolio Monitoring Financial Analysis Risk Appetite Data Analysis UNIX Environment Technical Background Process Improvement Resume Tips for This Role Highlight your experience with SAS and any relevant projects that demonstrate your analytical skills. Emphasize your technical background and how it relates to risk management in banking. Include any internships or projects that showcase your understanding of credit policies and risk assessment. Optimize for ATS by using keywords from the job description related to risk management. Avoid including unrelated work experience that does not pertain to the banking or finance sector. Build an ATS-optimized resume for this role using NexisGrow Resume Builder — free for all job seekers. Pro Tip: Avoid including generic skills or experiences that do not directly relate to the Mortgage Portfolio Risk Management Analyst role. How to Apply for Mortgage Portfolio Risk Management Analyst at Citi Apply Now — Citi Visit the Citi careers page and locate the job listing for Mortgage Portfolio Risk Management Analyst . Upload your resume, ensuring it highlights relevant skills and experiences. Fill out the application form accurately, providing all requested information. After submission, expect a confirmation email regarding your application status. Track your application status through the Citi careers portal. Applications reviewed on rolling basis — early submission recommended. Apply Now — Citi NexisGrow.com does not charge any fees for job applications. Citi Citi is a global banking and finance company with a presence in Gurgaon, Haryana, India . This Mortgage Portfolio Risk Management Analyst role operates onsite in Gurgaon and is part of the banking and finance industry. The position supports core risk management functions within a structured, office-based environment. The team develops new risk management techniques, analyzes credit performance, and sets portfolio risk appetites. They use SAS in a UNIX environment to conduct risk and financial data analyses, including profiling and sampling. Responsibilities include evaluating credit policies and recommending adjustments based on portfolio performance. This role supports Citi ’s broader risk management operations by applying disciplinary expertise in credit and portfolio analysis. It enables freshers to gain hands-on experience with real-world risk tools and processes in a global financial environment. The role offers early-career exposure to credit policy analysis , portfolio risk assessment , and risk appetite management . Using SAS and real-world data, candidates develop practical skills in risk evaluation and financial monitoring, building a foundation in global banking practices. Company Details Industry Banking & Finance Location Gurgaon, Haryana, India Connect With Us Careers Apply Now Website 🔗 citi.wd5.myworkdayjobs.com Frequently Asked Questions Interview · Role · Salary · Growth ? Who can apply for Mortgage Portfolio Risk Management Analyst at Citi? Eligibility Tap to expand + Answer Candidates with a relevant technical degree from batches 2023 to 2026 and 4-7 years of experience. ? What technical skills are most important for this role? Skills Tap to expand + Answer Key skills include SAS, risk appetite management, credit policy analysis, and portfolio risk assessment. ? What is the expected salary for this position? Salary Tap to expand + Answer Salary details are not disclosed, but industry benchmarks suggest ₹8-15 LPA for similar roles. ? What should I expect after applying for Mortgage Portfolio Risk Management Analyst at Citi? Hiring Process Tap to expand + Answer The process typically involves application review, followed by screening and interview stages. ? How should I prepare for Mortgage Portfolio Risk Management Analyst interview at Citi? Preparation Tap to expand + Answer Focus on understanding risk management concepts, SAS proficiency, and prepare for technical questions. ? Is this role work from home, hybrid, or onsite? Work Mode Tap to expand + Answer This role is onsite, requiring employees to work from the office in Gurgaon. ? What is the career growth after joining Citi as Mortgage Portfolio Risk Management Analyst? Growth Tap to expand + Answer Exposure to various risk management projects and opportunities for internal mobility enhance career growth. ? What should I highlight in my resume for this role? Resume Tap to expand + Answer Emphasize your technical skills, relevant projects, and any experience with risk management. ? Is there a last date to apply for this role? Application Tap to expand + Answer Application deadlines are not specified, but timely submission is encouraged. ? Is there a probation period at Citi? Probation Tap to expand + Answer Probation details are not specified in the job description. ? What is the work culture like at Citi? Culture Tap to expand + Answer The work culture is onsite, focusing on collaboration and teamwork. ? Can freshers apply for this role at Citi? Fresher Tap to expand + Answer Yes, freshers from eligible batches with relevant degrees can apply. 🔗 Explore More on NexisGrow More jobs in Gurgaon Browse all Non-Tech jobs Latest Fresher jobs More jobs at Citi Work From Home jobs Ready to Apply? Don't Miss This Opportunity! Apply only via the official link. NexisGrow.com charges zero application fees. 👉 Apply Now — Official Link NexisGrow.com does not charge any application or registration fees. Beware of fraudulent offers. Naukri ki baat, NexisGrow ke saath • NexisGrow.com