Credit Portfolio Intermediate Analyst Job at Citi (Gurugram, Mumbai)

Credit Portfolio Intermediate Analyst

Citi

Location:
India , Gurugram, Mumbai

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

The Credit Portfolio Intermediate Analyst role is a senior individual contributor and emerging risk leader responsible for owning portfolio risk strategy, influencing credit policy decisions, and driving risk-adjusted growth for the credit card business. The role combines deep analytics, strategic thinking, and stakeholder influence, acting as a key partner to senior risk and business leadership.

Job Responsibility:

Own end-to-end portfolio risk monitoring across delinquency, losses, payment behavior, and utilization
Lead vintage, cohort, and segmentation analysis to identify structural vs cyclical risk trends
Diagnose root causes of performance shifts and quantify P&L and capital impact
Define key risk indicators and ensure timely escalation of emerging risks
Support creation and maintenance of risk dashboards and MIS
Assist in diagnosing portfolio performance changes and segment-level risk drivers
Own risk assessment of acquisition strategies across channels and products
Evaluate early lifecycle risk (FPD, early delinquency) and recommend corrective actions
Partner with Product and Marketing to optimize risk-adjusted acquisition growth
Challenge business proposals using data-backed risk insights
Own end-to-end ECM strategy across CLI, CLD, authorization rules, and line management for defined portfolios or segments
Define risk-based customer segmentation frameworks using behavioral, transactional, and bureau data
Lead design and refinement of ECM policies and control frameworks to align with risk appetite and customer fairness standards
Evaluate and approve risk–return trade-offs for ECM initiatives, balancing loss mitigation, spend growth, and customer experience
Partner with Fraud, Collections, Product, and Marketing leaders to ensure consistent and effective ECM execution
Lead post-implementation performance reviews, identify root causes of deviations, and drive corrective actions
Provide clear, executive-ready recommendations for ECM strategy decisions and governance forums
Ensure strong controls, documentation, and audit readiness for all ECM-related strategies
Prepare clear, structured presentations for senior analysts and managers, ensure strong documentation, audit readiness, and control discipline
Participate in regular risk review forums as an analytical contributor
Act as a trusted advisor to senior risk and business leaders
Present insights and recommendations in clear, executive-ready narratives
Lead discussions in risk governance forums
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

Requirements:

3-8 years of experience in credit card risk analytics, consumer lending, or financial analytics
Master’s degree in business, Statistics, Mathematics, Finance, Economics, or related quantitative fields
Advanced SQL
strong experience in SAS and/or Python
Strong command of credit risk analytics: vintage, segmentation, forecasting
Expertise in translating analytics into business decisions
Advanced PowerPoint storytelling and data visualization
Deep understanding of credit card lifecycle and risk economics
Ability to influence decisions through data and judgment
Strong strategic thinking and problem structuring
Structured thinking and attention to detail
Comfort engaging with senior leadership
Willingness to learn and take increasing ownership
Ability to work collaboratively across teams
Clear and concise written and verbal communication
Good understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk, with demonstrated experience in reviewing these factors and challenging any discrepancies
Ability to work with little or no direction and in a team
Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment

What we offer:

Programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more
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
Variety of programs that help employees balance their work and life, including generous paid time off packages
Resources and tools to volunteer in the communities

Additional Information:

Job Posted:
January 18, 2026

Employment Type:

Fulltime

Work Type:

Hybrid work

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