Credit Risk Analyst, Citi

Citi

Location:
India, Mumbai

Category:
Finance

Contract Type:
Employment contract

Salary:

Not provided

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Job Description:

The Credit Portfolio Analyst II is an intermediate-level position responsible for conducting credit reviews, credit approvals, and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.

Job Responsibility:

conduct risk assessments and client credit analyses
review financial results and peer analyses to support preparation of financial projections
assist in preparation of green-light and approval memos
support due diligence activities and build financial models
escalate credit concerns to senior managers
support proposal of risk mitigation actions
assist with portfolio review and stress tests
prepare risk review materials and update internal stakeholders
monitor credit portfolio limits
assess collateral risk and stress testing

Requirements:

2 to 5 years of experience in credit risk analysis or corporate banking
experience in financial analysis, accounting, and valuation
knowledge of accounting and corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution
familiarity with data interpretation and ability to challenge decisions based on data analysis
basic understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk, with demonstrated experience in reviewing these factors and challenging any discrepancies
ability to interpret data, make sound decisions, and challenge the basis of the analysis
clear and concise written and verbal communication
ability to work with little direction and in a team
problem-solving skills to identify, analyze, and challenge basic problems
familiarity with risk management software and other relevant technologies
adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment
highly proficient in Excel/pivot tables and PowerPoint
strong communication and presentation skills targeting a variety of audiences

Nice to have:

good programming skills in SAS, SQL, Knowledge Studio, SAS E-miner in PC, UNIX environments
VBA expertise
problem-solving skills
familiarity with developing credit strategies or scoring models
flexibility in approach and thought process
ability to work with cross-functional teams

What we offer:

global benefits designed for well-being, growth, and work-life balance
equal opportunity employer

Additional Information:

Job Posted:
November 04, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Credit Risk Analyst