Credit Portfolio Analyst, Citi

Credit Portfolio Analyst

Citi

Location:
India, Mumbai

Category:
Finance

Contract Type:
Employment contract

Salary:

Not provided

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Job Description:

This position is part of the In-Business Balance Sheet Management Team in the U.S. Personal Banking (USPB) Enterprise Risk & Balance Sheet Management group. Responsibilities include performing capital forecasting, analyzing balance sheet components, supporting capital utilization initiatives, and delivering presentations for senior management.

Job Responsibility:

perform In-Business Std RWA (Risk Weighted Asset), ARWA (Credit & Ops) and capital (TCE: Tangible Common Equity) forecasting based on CCAR and other internal stress testing scenarios
perform monitoring and detailed analysis of Spot RWA (Std, Adv Credit & Ops) metrics and trends
conduct in-depth analytical assessment of balance sheet components (assets, liabilities, and equity)
support the team in ongoing initiatives aimed at optimizing capital utilization
build presentations with supportive analysis, storyboard results for senior management and executive management team

Requirements:

2-5 years of work experience in financial services or management consulting with heavy focus on financial risk management
working knowledge of Credit Cards and other consumer bank products P&Ls, key risk & return dynamics and loss drivers
good understanding of Capital and Balance Sheet Management, CCAR & CECL framework, Basel III Endgame
hands on experience in retail credit risk analytics using analytical or data management tools (e.g., SAS, SQL, Pearl, FRM, VBA, Advanced Excel) and power-point presentation skills
excellent quantitative and analytical skills, ability to derive trends, insights, and perform risk/reward trade-off analysis

Nice to have:

history of driving change and managing for results
ability to solve complex, ambiguous problems
collaborative work style
clear and concise written and verbal communication

What we offer:

equal opportunity employer
accommodations for persons with disability
positive work environment
global benefits program

Additional Information:

Job Posted:
August 19, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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