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Credit Portfolio Analytics Intermediate Analyst

India, Pune · Job Posted March 22, 2026
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Job Description

The Credit Portfolio Intermediate Analyst 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

  • 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
  • Independently manage development and implementation of effective risk management strategies that balances the risk and reward of the portfolio
  • 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
  • Must be able to effectively provide updates and communicate key initiatives to senior risk management
  • Analyze tests and performance using SAS and decision tree (CHAID/ CART)
  • Evaluate effectiveness of current policies and strategies

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
  • Product Knowledge
  • Risk Controls and Monitors
  • Risk Identification and Assessment
  • Credible Challenge
  • Data Analysis
  • Laws and Regulations
  • Management Reporting
  • Referral and Escalation
  • Risk Remediation
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