Credit Portfolio Intermediate Analyst Job at Citi (Mumbai)

Credit Portfolio Intermediate Analyst

Citi

Location:
India , Mumbai

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for conducting credit reviews, portfolio reporting/MIS, and identifying credit trends by organizing and analyzing large amounts of data and providing in-depth and sophisticated analysis with interpretive thinking to define problems, develop innovative solutions, and make recommendations that influence decisions of key business partners in the Risk Management team.

Job Responsibility:

Conduct risk assessments and client credit analyses with supervision
Contribute to the development of new techniques and improvement of processes and workflows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management
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
Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing
Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required
Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management
Support compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency
Assist in the preparation of risk review materials for proactive risk management and to present to internal stakeholders
Acts as SME to senior stakeholders and /or other team members
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
Demonstrates and inspires curiosity in seeking new ways to overcome challenges
actively applies learning from failures
Challenges self and others to seek out and communicate alternative views even when unpopular
welcomes diverse ideas to improve outcomes
Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization
Proactively identifies opportunities to streamline work
creates process improvements that enhance efficiency for self and the team
Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements

Requirements:

4-6 years of relevant experience
Experience in financial analysis, accounting and valuation
Knowledge of credit and banking products, credit analytics, risk assessment, and transaction execution
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
Proven ability to remain organized in a fast-paced environment, managing multiple projects
Proven interpersonal, organizational and analytic skills
Understands and of various risk factors including stress testing, collateral risk and volatility, concentration risks, and liquidity, with demonstrated experience in reviewing these factors and challenging any discrepancies
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
Familiarity with risk management software and other relevant technologies
Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment
Bachelor's degree/University degree or equivalent experience

Additional Information:

Job Posted:
December 31, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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