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Credit Portfolio Analyst 2

https://www.citi.com/ Logo

Citi

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Location:
India , Gurugram

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Category:
Finance

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Contract Type:
Not provided

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Salary:

Not provided
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Job Description:

The Credit Portfolio Analyst 2 will support credit card portfolio risk management through data-driven analysis, performance monitoring, and risk insights. The role focuses on assisting senior analysts and managers in portfolio monitoring, acquisition risk analysis, credit policy evaluation, and model performance tracking, with increasing ownership over defined analytical modules.

Job Responsibility:

  • Track portfolio performance metrics including delinquency, roll rates, losses, and utilization
  • Perform trend, vintage, and cohort analysis to identify early risk signals
  • Support creation and maintenance of risk dashboards and MIS
  • Analyze performance of new account vintages by channel, product, and segment
  • Monitor early delinquency and first-payment default trends
  • Support evaluation of acquisition strategies to balance growth and risk
  • Assist in evaluating approval rate vs loss trade-offs
  • Participate in champion–challenger analysis for policy and strategy updates
  • Help document policy rationale and analytical findings
  • Monitor existing customer credit risk performance across ECM levers, including CLI, CLD, authorization controls, and line management etc
  • Perform segmentation, trend, and vintage analysis to identify changes in customer behavior and emerging risk signals
  • Support analytics for risk-based ECM strategies to balance spend growth, customer experience, and credit losses
  • Track post-implementation performance of ECM actions and highlight variances versus expectations
  • Quantify risk–return impact of ECM strategies, including effects on utilization, delinquency, losses, and attrition
  • Assist in diagnosing portfolio performance changes and segment-level risk drivers
  • Prepare clear, structured presentations for senior analysts and managers
  • Support documentation for risk governance and audit requirements
  • Participate in regular risk review forums as an analytical contributor
  • Appropriately assess risk when business decisions are made, demonstrating 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:

  • 1.5–4 years of experience in credit card risk analytics, consumer lending, or financial analytics
  • Bachelor’s/Master’s degree in business, Statistics, Finance, Economics, or related quantitative fields
  • Strong working knowledge of SQL/SAS
  • exposure to Python preferred
  • Experience working with large datasets
  • Experience with Tableau or PowerPoint for visualization and reporting
  • Understanding of consumer credit risk fundamentals
  • Ability to interpret data and explain results clearly
  • Structured thinking and attention to detail
  • Problem-solving skills to identify, analyze, and challenge basic problems
  • Familiarity with data interpretation and ability to challenge decisions based on data analysis
  • Ability to interpret data, make sound decisions, and challenge the basis of the analysis
  • Willingness to learn and take increasing ownership
  • Ability to work collaboratively across teams
  • Clear and concise written and verbal communication
  • 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
  • Adds value and contributes to the success of the team
  • Ability to work with little 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
  • 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

Additional Information:

Job Posted:
January 18, 2026

Employment Type:
Fulltime
Work Type:
Hybrid work
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