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Credit Portfolio Senior Analyst - Cards Risk

https://www.citi.com/ Logo

Citi

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Location:
India , Pune

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Category:
Finance

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Contract Type:
Not provided

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Salary:

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Job Description:

The Credit Portfolio Senior 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:

  • Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management
  • Develop recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques
  • Utilize SQL and 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
  • Participate in developing, testing, and optimizing credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives
  • Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management
  • 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:

  • 7+ years of relevant experience
  • Knowledge of consumer/commercial risk analytics
  • Experience in using analytical, data mining and visualization tools like SAS, SQL, Python, Tableau and MS Office packages including advanced Excel
  • Ability to apply credit and risk principles toward business goals
  • Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
  • Proven ability to remain organized in a fast-paced environment, managing multiple projects
  • Proven interpersonal, organizational and analytic skills
  • Vision and ability to provide innovative solutions to core business practices
  • Ability to develop partnerships across multiple business and functional areas
  • Bachelor's degree/University degree or equivalent experience

Additional Information:

Job Posted:
January 18, 2026

Employment Type:
Fulltime
Work Type:
On-site work
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