Credit Portfolio Analyst II, Citi

Citi

Location:
India, Mumbai

Category:
Finance

Contract Type:
Not provided

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.

Job Responsibility:

Conduct risk assessments and client credit analyses with supervision
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
Assist in the preparation of risk review materials for proactive risk management and to present to internal stakeholders
Assist in monitoring credit portfolio limits to ensure compliance with risk appetite limits
Proactively identifies opportunities to streamline work
creates process improvements that enhance efficiency for self and the team
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

Requirements:

1-2 years of experience in credit risk analysis or consumer banking
Programming skills in SAS, SQL, Python, Knowledge Studio, SAS E-miner in mainframe, UNIX and PC environments
Highly proficient in Excel/pivot tables and PowerPoint
A good understanding of credit life cycle
Familiarity with data interpretation and ability to challenge decisions based on data 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
Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment

Additional Information:

Job Posted:
August 12, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Credit Portfolio Analyst II