Credit Portfolio Analyst II Job at Citi (Gurugram)

Credit Portfolio Analyst II

The Credit Portfolio Analyst II is responsible for the end-to-end management and...

Location

India , Mumbai; Pune

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor’s degree in information technology, Business, Risk Management, or a related field
2+ years of experience in risk management, technology operations, or production monitoring in corporate banking/financial institutions
knowledge of corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution
basic understanding of credit risk management, technology platforms, and operational risk controls, particularly in the context of post-implementation processes
familiarity with modern monitoring tools, risk management frameworks, and production systems used to assess technology performance in real-time (SAS/Tableau/AI/Oracle) supported by relevant programming skills
statistical knowledge – familiar with key statistical metrics/concepts
knowledge of regulatory requirements related to credit risk, data management, and customer-facing platforms, ensuring alignment with post-implementation and monitoring processes
strong strategic thinker with the ability to anticipate production challenges and operational risks in post-implementation environments, developing robust solutions that enhance system performance
experience in problem-solving complex operational issues, leveraging cross-functional expertise, and driving long-term improvements in production systems
strong analytical skills in conducting analysis using bureau/application/customer data to identify anomalies and adverse trends

Job Responsibility

Perform the validation of all customer-facing credit risk platforms post-deployment, ensuring that they function as intended, align with business strategies, and meet regulatory requirements
development and execution of post-implementation validation frameworks, focusing on model performance, rule accuracy, and platform effectiveness across all credit risk decisioning systems
partner with risk management, IT, and operations teams to assess potential vulnerabilities, gaps, or deficiencies in system performance and address them promptly
support to establish a robust framework for ongoing production monitoring of credit risk platforms, ensuring proactive identification and resolution of system performance issues
implement real-time and batch monitoring processes that assess credit risk platforms’ operational performance, data integrity, and customer impact across various product lines
ensure timely resolution of production issues, including the identification of root causes, formulation of solutions, and collaboration with technology teams to implement necessary fixes or enhancements
ensure all customer-facing credit risk platforms perform reliably in production, minimizing any negative impact on the customer experience due to system errors, downtimes, or performance issues
support initiatives to continuously improve platform stability, reducing risk to customers and ensuring the organization’s credit risk models and rules are consistently delivering accurate decisions
engage with business stakeholders to understand customer needs and expectations, ensuring production systems evolve to meet them efficiently and effectively
ensure all post-implementation validation and production monitoring activities meet regulatory and compliance requirements, including alignment with policies related to credit risk, data usage, and customer protection

What we offer

Equal opportunity employment
support for people with disabilities
best-in-class benefits for employees to be well, live well and save well

Fulltime

Credit Risk Analytics Analyst II

The Credit Portfolio Analyst II is an intermediate-level position responsible fo...

Location

India , Gurgaon

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2+ years of experience in credit risk analysis or corporate banking
Experience in financial analysis, accounting and valuation
Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
Consistently demonstrate clear and concise written and verbal communication
Proven ability to work with little direction and in a team
Demonstrated accountability, self-motivation and business acumen
Bachelor's degree/University degree or equivalent experience
Strong analytical skills in conducting sophisticate analysis using bureau/vendor data, customer performance data and marketing data to solve business problems
Good programming skills in advanced SAS and SQL in mainframe, UNIX and PC environments
Highly proficient in Excel/pivot tables and PowerPoint

Job Responsibility

Conduct risk assessments and client credit analyses, review financial results and peer analyses and prepare financial projections
Prepare green-light and transaction approval memos, conduct due diligence, build cash flow models and conduct sensitivity analyses
Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite
Assist with portfolio review preparation and conducting stress tests
Build working relationships with various teams across the bank, including deal, coverage and product teams
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
Support tactical and strategic Risk Analytics projects for Citi’s Retail Services Group in the US
Independently manage development and implementation of effective risk management strategies that help mitigate credit losses
Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes
Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies

Fulltime

New

Credit Portfolio Analyst II

The Credit Portfolio Analyst II is an intermediate-level position responsible fo...

Location

India , Gurugram; Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

0-2 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

Job Responsibility

Conduct risk assessments and client credit analyses with supervision
Review financial results and peer analyses to support the preparation of financial projections
Assist in the preparation of green-light and transaction approval memos
Support due diligence activities and the building of cash flow models and sensitivity analyses
Escalate credit concerns and updates to senior risk and business managers
Support the proposal of risk mitigation actions by staying informed of related developments in the portfolio and industry, and by understanding the credit process, policies, and Citi's risk appetite
Assist with portfolio review preparation and the conduct of stress tests
Build working relationships with various teams across the bank, including deal, coverage, and product teams
Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets
Support compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency

What we offer

Programs and services for physical and mental well-being including access to telehealth options, health advocates, confidential counseling
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

Fulltime

New

SEN Teaching Assistant

We are currently looking for a two SEN teaching assistants to join a really love...

Location

United Kingdom , Barnet

Salary:

Not provided

Philosophy Education

Expiration Date

Until further notice

Requirements

Experience working with children with special needs in other settings
Good support from the school’s SEND coordinator and class teachers
Training will be given

Job Responsibility

Supporting a pupil with special educational needs on a 1:1 basis
Support in all aspects of learning, playing and interacting with peers and the wider school community

Fulltime

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Are you an English graduate who would like to work with children with behavioura...

Location

United Kingdom , Bexley

Salary:

Not provided

Philosophy Education

Expiration Date

Until further notice

Requirements

be an English Graduate
be passionate about supporting children with SEND

Job Responsibility

working with pupils on a 1 to 1 basis during the school day
working with pupils in the classroom, in specialist mentoring sessions and in during some breaktimes
work closely with the schools SENCO and senior management team, as well as outside agencies including therapists healthcare professionals and CAMHS

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Are you an English graduate who would like to work with children with behavioura...

Location

United Kingdom , Bromley

Salary:

Not provided

Philosophy Education

Expiration Date

Until further notice

Requirements

be an English Graduate
be passionate about supporting children with SEND

Job Responsibility

working with pupils on a 1 to 1 basis during the school day
working with pupils in the classroom, in specialist mentoring sessions and in during some breaktimes
work closely with the schools SENCO and senior management team, as well as outside agencies including therapists healthcare professionals and CAMHS

What we offer

school will be able to train you in suitable interventions and approaches

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English Graduate Teaching Assistant

Are you an English graduate who would like to work with children with behavioura...

Location

United Kingdom , Croydon

Salary:

Not provided

Philosophy Education

Expiration Date

Until further notice

Requirements

be an English Graduate
be passionate about supporting children with SEND

Job Responsibility

working with pupils on a 1 to 1 basis during the school day
working with pupils in the classroom, in specialist mentoring sessions and in during some breaktimes
work closely with the schools SENCO and senior management team, as well as outside agencies including therapists healthcare professionals and CAMHS

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SEND Teaching Assistant

We are currently recruiting a SEND Teaching Assistant to work in a specialist SE...

Location

United Kingdom , Islington

Salary:

Not provided

Philosophy Education

Expiration Date

Until further notice

Requirements

Previous experience supporting children with complex physical disabilities
Manual handling experience and confidence supporting physical care needs
Physically agile and resilient, able to manage a role with high levels of movement
A calm, caring, and proactive approach
Experience working in a SEND or specialist school setting

Job Responsibility

Supporting pupils with complex physical disabilities (PD) and medical needs
Assisting with manual handling, including transferring pupils and supporting safe positioning
Supporting pupils on and off the floor and into a variety of specialist equipment
Providing support with personal care and daily routines
Working closely with teachers, therapists, and support staff to meet individual care and learning needs

Fulltime

Credit Portfolio Analyst II

Citi

Location:
India , Gurugram ▼
Mumbai

Category:
Finance

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Additional Information:

Job Posted:
December 28, 2025

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