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Credit Portfolio Analyst II

https://www.citi.com/ Logo

Citi

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Location:
India , Mumbai

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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 II is an intermediate-level position responsible for conducting credit reviews, credit approval 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. The Analyst 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
  • Assist in diagnosing portfolio performance changes and segment-level risk drivers
  • 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
  • Prepare analytical summaries for discussions with business and marketing teams
  • Support analysis for credit underwriting policy changes
  • 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
  • Support loss forecasting and scenario analysis under guidance
  • Assist in assessing portfolio sensitivity to macroeconomic changes
  • Perform ad-hoc analyses to support risk reviews and management requests
  • 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 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:

  • 2–4 years of experience in credit card risk analytics, consumer lending, or financial analytics
  • Bachelor’s or Master’s degree in Statistics, Mathematics, Economics, Engineering, 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 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

Additional Information:

Job Posted:
January 29, 2026

Employment Type:
Fulltime
Work Type:
Hybrid work
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