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Consumer Cards Credit Portfolio Intermediate Analyst

India, Bengaluru · Job Posted January 18, 2026
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Job Description

The Credit Portfolio Intermediate Analyst role is a senior individual contributor and emerging risk leader responsible for owning portfolio risk strategy, influencing credit policy decisions, and driving risk-adjusted growth for the credit card business. The role combines deep analytics, strategic thinking, and stakeholder influence, acting as a key partner to senior risk and business leadership.

Job Responsibility

  • Own end-to-end portfolio risk monitoring across delinquency, losses, payment behavior, and utilization
  • Lead vintage, cohort, and segmentation analysis to identify structural vs cyclical risk trends
  • Diagnose root causes of performance shifts and quantify P&L and capital impact
  • Define key risk indicators and ensure timely escalation of emerging risks
  • Support creation and maintenance of risk dashboards and MIS
  • Assist in diagnosing portfolio performance changes and segment-level risk drivers
  • Own risk assessment of acquisition strategies across channels and products
  • Evaluate early lifecycle risk (FPD, early delinquency) and recommend corrective actions
  • Partner with Product and Marketing to optimize risk-adjusted acquisition growth
  • Challenge business proposals using data-backed risk insights
  • Own end-to-end ECM strategy across CLI, CLD, authorization rules, and line management for defined portfolios or segments
  • Define risk-based customer segmentation frameworks using behavioral, transactional, and bureau data
  • Lead design and refinement of ECM policies and control frameworks to align with risk appetite and customer fairness standards
  • Evaluate and approve risk–return trade-offs for ECM initiatives, balancing loss mitigation, spend growth, and customer experience
  • Partner with Fraud, Collections, Product, and Marketing leaders to ensure consistent and effective ECM execution
  • Lead post-implementation performance reviews, identify root causes of deviations, and drive corrective actions
  • Provide clear, executive-ready recommendations for ECM strategy decisions and governance forums
  • Ensure strong controls, documentation, and audit readiness for all ECM-related strategies
  • Prepare clear, structured presentations for senior analysts and managers, ensure strong documentation, audit readiness, and control discipline
  • Participate in regular risk review forums as an analytical contributor
  • Act as a trusted advisor to senior risk and business leaders
  • Present insights and recommendations in clear, executive-ready narratives
  • Lead discussions in risk governance forums
  • 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

Requirements

  • 3-8 years of experience in credit card risk analytics, consumer lending, or financial analytics
  • Master’s degree in business, Statistics, Mathematics, Finance, Economics, or related quantitative fields
  • Advanced SQL
  • strong experience in SAS and/or Python
  • Strong command of credit risk analytics: vintage, segmentation, forecasting
  • Expertise in translating analytics into business decisions
  • Advanced PowerPoint storytelling and data visualization
  • Deep understanding of credit card lifecycle and risk economics
  • Ability to influence decisions through data and judgment
  • Strong strategic thinking and problem structuring
  • Structured thinking and attention to detail
  • Comfort engaging with senior leadership
  • Willingness to learn and take increasing ownership
  • Ability to work collaboratively across teams
  • Clear and concise written and verbal communication
  • Good 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 work with little or no direction and in a team
  • Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment

What we offer

  • Programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more
  • Expanded Paid Parental Leave Policy
  • Resources to manage financial well-being and help plan for the future
  • Access to an array of learning and development resources to help broaden and deepen your skills and knowledge
  • Variety of programs that help employees balance their work and life, including generous paid time off packages
  • Resources and tools to volunteer in the communities in which they live and work
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