Credit Portfolio Analyst - Risk Systems and Execution - Production Monitoring Job at Citi (Pune)

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

Counterparty Credit Risk Analyst - Funds

Institutional Credit Management (ICM) is a critical component of Citi’s First Li...

Location

United States , Getzville; Irving

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Demonstrable financial services experience, including 2-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
Strong knowledge of Wholesale Credit Processes and organizational awareness including ICM Risk Analysis (ICM) functions, covered portfolios/products, and processes
Sound understanding of policies and procedures with the ability to execute change seamlessly
Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks
Solid and thorough knowledge of Citi´s systems
Experience in preparing presentations for seniors
Full awareness and adherence to the control environment including Quality Assurance and Quality Control
Strategic orientation to ensure the ICM Underwriting organization continues to be positioned as a thoughtful and proactive partner on driving best practices to support safety and soundness within ICM and Citi
Experience and familiarity with Real Money Funds, Asset Managers, Pension Funds – Industry products and relevant CCR risk measures
Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues

Job Responsibility

Assess the credit and financial strength of Citi’s Real Money Funds Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Funds Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriting Team Leads, 2LoD Risk Partners and BCMA partners
Review and provide recommendation on the risk rating across the Funds sector
Partner with regional and industry stakeholders in Underwriting, 2LoD, and BCMA in the implementation of credit assessment and monitoring standards for applicable portfolios
Support ICG Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)

What we offer

medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
planned time off (vacation)
unplanned time off (sick leave)
paid holidays

Fulltime

Global Risk Review Analyst

The Global Risk Review (GRR) Analyst reports to the Team Lead and provides analy...

Location

Ireland , Dublin

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Experience in Banking, Finance, Accounting, Economics, Business Administration or similar with Credit, Accounting or financial statement analysis experience essential
Financial statement analysis and working with large datasets is a key requirement
Formal credit training or understanding of financial accounting standards (international and/or domestic) is beneficial
Intermediate to advanced skills in Excel, PowerPoint, SharePoint, Access, Word, Visio, etc.
Excellent communication skills, verbal as well as written
Experience working with a highly productive analytical team
Detail oriented with ability to work independently and prioritise workload
Ability to make decisions / balance aggressive timelines for deliverables amidst conflicting priorities
Experience with managing and analysing large data sets and management tasks in a large office setting
The candidate must be detail and team oriented, be able to interpret, follow strict rules and procedures and be able to multi-task and prioritise to meet deadlines

Job Responsibility

Identify and analyse situations that create risk for Citi, utilising various resources such as credit reports, score cards, risk systems, and knowledge of the elements of Risk
Use tools and techniques to effectively identify and assess trends and risks
Communicate findings of analysis to Lead Reviewers
For an assigned portfolio of entities of varying complexity, collaborate with Lead Reviewers and regional teams across various GRR teams for Business Monitoring and Review activities (Planning, Fieldwork, and Post Fieldwork)
Preparation and Maintenance of GRR’s internal system, including milestone tracking and sample documentation
Pre- & Post-Review activities, presentation decks, checklists, file comment compilation and System assistance
Responsibility for Risk Rating input verification process and compliance to applicable Credit Policies in conjunction with the Banking & International Credit Review Lead Reviewer
Analyse and interpret data to make conclusions or recommendations
Other items as required to execute efficient, consistent and value added review activities
Gather deliverables and/or prepare presentations to meet internal and Regulatory needs

What we offer

Competitive base salary (which is annually reviewed)
Business casual workplace
Hybrid working model (up to 2 days working at home per week)
Additional benefits that support you (and your family) to be well, live well and save well

Fulltime

Credit Portfolio Analyst - Rules Build

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

Location

India , Pune

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2+ years of experience in credit risk analysis/consumer banking
Hands on experience on Base SAS, Advance SAS, SAS FMS/SAS Raptor, Autosys, Unix shell scripting, Bitbucket tools
Knowledge of 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
Strong analytical skills in conducting analysis using authorizations transactions data to identify anomalies and adverse trends
Statistical knowledge – familiar with key statistic metrics/ concepts
Clear and concise written and verbal communication skills
Proven ability to work with little direction and in a team
Demonstrated accountability, self-motivation and business acumen

Job Responsibility

Rules Build: Analysis, design, and implementation of all credit risk rules to support models, strategies as well as adjudication actions
Core part of the role includes end to end implementation of new/existing Credit Line Decrease strategies along with monitoring jobs required for execution of strategies on daily basis
Additional responsibility as part of the role includes, creating new rules or maintaining existing credit rules for Authorizations in SAS Fraud Management System (FMS) / SAS Raptor tool and perform unit testing to validate the rules logic
Test individual components of the business rules and models to ensure they function as intended
Complete unit testing of all rule build activities
support testing on all defects
Subject matter expertise in the data for the business object model (BOM) data that is used for reporting, analytics, and decisions coming from Rules Build
Stay abreast of technological advancements and industry best practices to continuously improve the credit risk strategies
Pre & Post-Implementation Validation: Perform the rules validation of all customer-facing credit risk platforms post-deployment
Development and execution of Authorization credit rules validation frameworks

Fulltime

Head of Limits Management & Portfolio Analytics

We are seeking a highly accomplished and strategic leader to join Banking & Inte...

Location

United States , New York

Salary:

250000.00 - 500000.00 USD / Year

Citi

Expiration Date

Until further notice

Requirements

Master's degree or PhD in a quantitative field such as Finance, Economics, Statistics, Mathematics, Physics, or Computer Science
15+ years of progressive experience in credit risk management, with a significant portion in a senior leadership role within a major global financial institution (e.g., GSIB, investment bank)
Extensive experience in developing and managing credit limits frameworks, including single name, concentration, and country limits
Proven track record in leading and driving advanced credit portfolio analytics, leveraging stress testing, and risk appetite/capital methodologies
Strong grasp of financial products across wholesale portfolios
Demonstrated experience in managing large-scale teams and driving complex projects
Experience in regulatory examinations and successfully navigating complex regulatory landscapes
Exceptional strategic thinking, problem-solving, and decision-making abilities
Superior communication and presentation skills, with the ability to articulate complex concepts clearly and concisely to diverse audiences, including senior executives and regulators
Proven ability to build and maintain strong relationships with internal and external stakeholders, and senior management

Job Responsibility

Maintain a comprehensive global credit limits framework that effectively identifies, measures, monitors, and controls credit risk concentrations
Proactively simplify and improve existing WCR limits policies, procedures, and processes
Oversee the review, and approval of all WCR limits (e.g., single name, country, industry, product, sector) in collaboration with First Line of Defence businesses, regional risk teams, and senior risk committees
Ensure robust processes for limit monitoring, breach management, and timely escalation, adhering to regulatory requirements and internal policies
Drive the identification of emerging credit risks, portfolio vulnerabilities, and opportunities through in-depth analysis of portfolio data, market trends, and macroeconomic factors
Lead the development and enhancement of advanced credit portfolio analytics tools, and methodologies, including the application of AI-led tools and applications
Oversee the production of insightful portfolio risk reporting for senior management, board, and regulatory bodies
Develop and articulate the strategic vision and roadmap for Limits Management and Credit Portfolio Analytics, in alignment with the firm's overall risk appetite and business objectives
Lead the evolution of credit risk analytics capabilities, leveraging cutting-edge techniques and technologies to enhance insights and improve senior level decision-making
Represent the team on credit risk limits and portfolio matters in interactions with senior management, Board committees, regulators, and external stakeholders

What we offer

medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays

Fulltime

Senior Analyst, Credit Risk

We are seeking a Senior Analyst, Credit Risk to join our Adjudications team. In ...

Location

Canada , Calgary; Toronto

Salary:

60000.00 - 110000.00 CAD / Year

Neo Financial

Expiration Date

Until further notice

Requirements

3+ years of progressive experience in credit risk strategy, portfolio management, or collections strategy, preferably within a high-growth lending, Fintech, or Financial Services environment
Proven ability to use advanced data analysis tools (SQL, Python/R, or similar) to extract, manipulate, and analyze large datasets
Deep understanding of the credit lifecycle, various credit losses typologies, and familiarity with consumer credit data, scores, and attributes
Demonstrated experience in translating analytical findings into clear, executable rules for automated decisioning systems
Exceptional stakeholder management and collaboration skills, with the ability to clearly articulate complex risk findings to non-technical partners

Job Responsibility

Lead the design, maintenance, and implementation of core credit adjudication strategies, policies, and processes for customer acquisition
Define all underwriting criteria for lending products, including knock-out rules, minimum credit scores, Debt-to-Income (DTI) ratio thresholds, and income requirements
Develop initial credit line assignment strategies and oversee logic within automated decisioning systems (in-house or vendor platforms) to ensure accurate, real-time approve/decline decisions
Utilize advanced data analytics and machine learning to analyze risk profiles, identify emerging trends, and quantify exposure across the credit lifecycle
Conduct vintage analysis (e.g., comparing Q1 2025 to Q1 2024 performance) by monitoring key delinquency rates, including First Payment Default (FPD), 30+ & 60+ DPD, and Charge Off rates
Maintain all operational reporting to track performance of strategies against internal forecasts, ensuring no consistent breaches in credit risk KPIs
Develop insightful analysis to actively monitor portfolio performance and drive actionable outcomes
Serve as the key liaison with the Credit Operations team, ensuring seamless execution and monitoring of all new strategies
Oversee exception and manual review processes, setting clear guidelines for applications that fall outside automated decisioning
Collaborate with cross-functional teams (Product, Engineering, Finance, Growth) to embed foundational credit risk controls into new products and features

What we offer

Flexible Pay: You choose your mix of cash and equity in Neo
Total Rewards: You’ll receive competitive benefits, perks, and in some cases, role-specific short-term incentives reflecting impact, performance and support long-term ownership
All team members have a stake in Neo’s success and earn meaningful equity through stock options

Fulltime

New

Credit Portfolio Analytics Intermediate Analyst

The Credit Portfolio Intermediate Analyst is an intermediate-level position resp...

Location

India , Pune

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

5+ years of relevant experience
Consistently demonstrate clear and concise written and verbal communication
Bachelor's degree/University degree or equivalent experience
Analytical Thinking
Constructive Debate
Escalation Management
Industry Knowledge
Policy and Procedure
Policy and Regulation
Process Execution

Job Responsibility

Provide analyses and reporting of complex data trends to senior management and the business
Support Audit requirements from external/internal auditors & queries from Independent Risk
Create story boards, presentations and project plans for discussions with senior management
Provide support for ongoing monthly and quarterly internal and regulatory report, as needed
Work closely with cross functional teams, including business stakeholders
Utilize UNIX and Statistical Analysis System (SAS) to perform risk, financial and data analyses including profiling, sampling, reconciliation, and hypothesis testing
Train and mentor juniors in developing innovative models in compliance with policies and procedures
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, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards
Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses
Support tactical and strategic Risk Analytics projects for Citi’s Retail Services Group in the US

Fulltime

Credit Review Senior Analyst

Credit Risk Review (CRR) provides independent, objective, reliable, valued and t...

Location

Philippines , Taguig City

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

5+ years of work experience in Banking, Finance, Accounting, Economics, Business Administration or similar with Credit, Accounting or financial statement analysis
Formal credit training or strong understanding of financial accounting standards
Experience in assessing the credit and financial strength of Citi’s Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis using both quantitative and qualitative factors
Intermediate to advanced skills in Excel, PowerPoint, SharePoint, Access, Word, Visio, etc. and the ability to learn and use various proprietary in-house systems including web-based programs, AI powered tools and the like
Excellent communication skills, verbal as well as written
Experience working with a highly productive analytical team
Detail oriented with ability to work independently and prioritize workload
Ability to make decisions / balance aggressive timelines for deliverables amidst conflicting priorities
Experience with managing and analyzing large data sets and management tasks in a large office setting
BA/BSc in Economics, Finance or Accounting or higher degree in Business (MBA), or any other related subject

Job Responsibility

Accountability for ensuring best in class core credit risk analysis of applicable portfolio ensuring consistency with industry leading practices and conforms to all internal credit procedures/policies, and all related regulatory expectations
Validate financial inputs used to determine credit risk rating of clients across different industries
Identify and analyze situations that create risk for Citi, utilizing various resources such as credit reports, score cards, risk systems, and knowledge of the elements of Risk
For an assigned portfolio of entities of varying complexity, collaborate with Lead Reviewers across various teams for Business Monitoring and Review activities including: Ensuring that the credit rating of the client is accurate and in line with Citi’s policy and practice
Preparation and Maintenance of CRR’s internal system, including milestone tracking and sample documentation
Analyze and interpret data to make conclusions or recommendations
Other items as required to execute efficient, consistent and value-added review activities
Gather deliverables and/or prepare presentations to meet internal and Regulatory needs
Support the Chief Administration Officer’s team in special projects

What we offer

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
Generous paid time off packages
Resources and tools to volunteer in the communities

Fulltime

Credit Portfolio Analyst - Risk Systems and Execution - Production Monitoring

Citi

Location:
India , Pune

Category:
Banking

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Nice to have:

Additional Information:

Job Posted:
February 01, 2026

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