Credit Portfolio Senior Analyst Job at Citi (Mumbai)

Credit Portfolio Senior Analyst

Citi is seeking an experienced and motivated professional to join its Risk Manag...

Location

United Arab Emirates , Dubai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

5–8 years of relevant credit experience, preferably in a financial institution
Bachelor’s degree (or equivalent experience) in Finance, Accounting, Economics, Computer Science, or a related field
Intermediate to advanced proficiency in Microsoft Office tools (Excel, PowerPoint etc.)
Strong English written and verbal communication skills
Excellent time management, organizational, and analytical abilities
Experience with SQL and fluency in Arabic is a plus

Job Responsibility

Assess the effectiveness of Citi’s credit risk management practices and support identification and mitigation of credit risk across unsecured portfolios
Analyze credit risks by utilizing reports, scorecards, risk systems, and expert judgment
Evaluate moderately complex and variable credit issues with significant business impact
Balance potentially conflicting data sources and develop actionable credit risk strategies
Lead or support the preparation of Credit Portfolio Scorecards and trend analysis reports
Assist with Business Monitoring and Review activities
Prepare internal presentations for management and regulatory stakeholders
Promote ethical decision-making and support risk and control issue transparency across the firm

What we offer

Competitive base salary (annually reviewed)
Hybrid working model (up to 2 days working at home per week)
Additional benefits supporting well-being, living well, and saving well

Fulltime

Credit Portfolio Senior Analyst

The Credit Portfolio Senior Analyst is an intermediate-level position responsibl...

Location

Poland , Warsaw

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor's degree/University degree or equivalent experience
5-8 years of relevant experience in corporate or commercial risk management
Knowledge of commercial risk analytics
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
Proven knowledge of IFRS, local accounting standards, leveraged lending regulatory requirements
Fluency in Polish and English

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 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 and procedures, 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 the Bank, 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
Active participation in Early Warning Processes including quarterly financial monitoring and assessment of credit risk profile of client and exposures regarding regulatory requirements (i.e. stage or internal classification)
Active participation in improvement of credit process and procedures

What we offer

Job contract and social benefits (private medical care, fitness card, life insurance, pension programme, co-financing of cultural and entertainment events)
Access to e-learning platform (Degreed) as well as English learning platform
Possibility to gain globally appreciated work experience
Friendly and supportive culture and team
Flexible and partly-remote working conditions

Fulltime

Credit Portfolio Senior Risk Analyst

The Portfolio Credit Risk Management role oversees portfolio risk management act...

Location

Singapore , Singapore

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-5 years relevant experience
Basic understanding of risk management principles
Experience utilizing quantitative methods for stress scenarios
Strong problem-solving capabilities, attention to detail, and a proactive attitude
Ability to remain organized in a fast-paced environment, managing multiple projects
Ability to work under pressure, multi-task and prioritize to meet deadlines
Highly proficient in MS Office – (Excel, Word, PowerPoint)
Proficiency in SAS is preferred
Bachelor's/University degree or equivalent experience

Job Responsibility

Develop and apply quantitative strategies for managing stress scenarios, risk exposures, and loss forecasting
Contribute to the quarterly submissions for IFRS9 provisioning process, work with finance stakeholders to ensure timely submission of the provision numbers
Contribute to the quarterly/annually submissions for Stress Testing, regulatory and non-regulatory (CCAR/ICAAP/IWST) submission for loss forecasting
Manage stress test for the entire credit spectrum across multiple products (retail) and prepare risk management presentations for senior management
Analyze model outputs and relate to portfolio and macroeconomic trends
Utilize Statistical Analysis System (SAS) to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing
Participate in developing, testing, and optimizing statistical risk models, ensuring consistency and regulatory compliance for the purpose of loss forecasting and/or IFRS9 provisioning with Model Developers
Perform Model Monitoring, Validations as per Model Risk Management Guideline
Manage IFRS9 provisioning for the entire credit spectrum across multiple products and prepare risk management presentations for senior management
Appropriately assess provision adequacy safeguarding Citigroup and it's 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

What we offer

Extensive on-the-job training and exposure to senior leaders
More traditional learning
Opportunity to give back and make a positive impact through volunteerism
Resources to meet unique needs
Empowerment to make healthy decisions and manage financial well-being
Global benefits

Fulltime

Senior Credit Portfolio Risk Manager

Senior management-level position leading credit risk function for unsecured lend...

Location

Singapore , Singapore

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor's degree in a quantitative field such as Finance, Economics, Statistics, Mathematics, Engineering, or Computer Science
Master's degree or MBA preferred
Minimum of 8-10 years of experience in credit risk management within the financial services industry
Significant focus on unsecured lending
Proven experience in a leadership or team management role
Extensive experience in developing, testing, optimizing, and implementing credit strategies
Advanced proficiency in statistical modeling, predictive analytics, machine learning techniques, and quantitative methods for credit risk
Strong understanding of data warehousing, SQL, and experience with large datasets
Deep understanding of credit lifecycle management (origination, account management, collections), PD/LGD/EAD modeling, stress testing, and regulatory requirements
Expertise in analytical tools such as SAS, R, Python, SQL, and data visualization tools

Job Responsibility

Develop, implement, and continually refine credit risk strategies for unsecured lending products
Utilize advanced risk analytics and loss forecasting techniques to identify emerging trends and assess portfolio performance
Monitor key financial drivers and portfolio metrics to inform decision-making
Collaborate with product, marketing, finance, and operations teams to align risk strategies with business objectives
Lead the development, validation, and implementation of predictive credit risk models, scorecards, and decision engines
Oversee data management practices for credit risk
Lead, mentor, and develop a team of risk analysts and specialists
Build and maintain strong relationships with internal stakeholders across various departments
Lead the end-to-end process of developing new credit strategies
Design and execute champion/challenger tests and other experimental designs

What we offer

Extensive on-the-job training and exposure to senior leaders
Traditional learning opportunities
Chance to give back and make a positive impact through volunteerism
Resources to meet unique needs
Empowerment to make healthy decisions
Support for managing financial well-being and planning for future

Fulltime

Credit Portfolio Analyst

The Credit Portfolio Analyst II is an intermediate-level position responsible fo...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2+ years of experience in credit risk analysis or corporate banking
experience in financial analysis, accounting and valuation
knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
consistently demonstrate clear and concise written and verbal communication
proven ability to work with little direction and in a team
demonstrated accountability, self-motivation and business acumen

Job Responsibility

conduct risk assessments and client credit analyses, review financial results and peer analyses and prepare financial projections
escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action
develop recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques
utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing
assist with portfolio review preparation and conducting stress tests
build working relationships with various teams across the bank
appropriately assess risk when business decisions are made

Fulltime

Senior Credit Analyst

Senior Credit Analyst Reports to Credit Manager. Job Function: Support the Credi...

Location

United States , Easton

Salary:

Not provided

Victaulic

Expiration Date

Until further notice

Requirements

Bachelors (Business, Finance, Accounting)
Bilingual (Spanish) preferred, but not required
Must demonstrate a strong knowledge and proficiency with the use of Microsoft Office
Demonstrate professional written and verbal communication skills
Must be energetic and demonstrate an ability and initiative to question processes with the goal of driving process improvement and solving problems
5-7 years’ experience in Credit & Collections. (Manufacturing / Construction Industry preferred)

Job Responsibility

Support the Credit Manager with the development and implementation of processes and controls related to Customer Credit Approval, Collections and Accounts Receivable for the Company
Collection of Customer Receivables
Collect Past Due invoices within your assigned collection portfolio
Create strong relationships with key Customers
Create strong collaborative relationships with Regional Sales Managers
Collaborate & communicate collection concerns with Customer Care and Sales VP’s
Analyze, recommend, and improve Credit/Collections Systems (GETPAID, Qlik View)
Review and update Credit Department Policies, Controls and Procedures
Actively pursue professional education to enhance your business knowledge and skills required to maintain career growth
Take a lead role in the implementation of new ERP Solution (Infor M3)

Assistant Vice President, ICM Risk Analysis Credit Risk Senior Analyst

ICM Risk Analysis Credit Risk Associates are responsible for a portfolio of inst...

Location

Japan , Tokyo

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor's/University degree or equivalent experience
Financial Services experience including 5-8 years of credit experience in Banking or Credit Risk Management
Well-developed analytical skills with understanding of key financial components
Advanced knowledge of financial statements and GAAP accounting or similar governance
Solid understanding of Credit Policy and procedures
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
Advanced experience with internal Policies, Standards, Procedures, Templates and financial modeling
Highly effective interpersonal skills with ability to build relationships
Exceptional written and verbal communication skills

Job Responsibility

Assess credit and financial strength of Citi's most complex Large Corporate, Public Sector, and Financial Institutions Clients
Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR)
Continuous monitoring of covered portfolio including industry trends and impacts to key relationships
Review and provide recommendation on risk rating across sector
Partnership with regional and industry stakeholders in credit assessment implementation
Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)

Fulltime

Credit Portfolio Analyst II

The Credit Portfolio Analyst II is responsible for the end-to-end management and...

Location

India , Mumbai; Pune

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor’s degree in information technology, Business, Risk Management, or a related field
2+ years of experience in risk management, technology operations, or production monitoring in corporate banking/financial institutions
knowledge of corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution
basic understanding of credit risk management, technology platforms, and operational risk controls, particularly in the context of post-implementation processes
familiarity with modern monitoring tools, risk management frameworks, and production systems used to assess technology performance in real-time (SAS/Tableau/AI/Oracle) supported by relevant programming skills
statistical knowledge – familiar with key statistical metrics/concepts
knowledge of regulatory requirements related to credit risk, data management, and customer-facing platforms, ensuring alignment with post-implementation and monitoring processes
strong strategic thinker with the ability to anticipate production challenges and operational risks in post-implementation environments, developing robust solutions that enhance system performance
experience in problem-solving complex operational issues, leveraging cross-functional expertise, and driving long-term improvements in production systems
strong analytical skills in conducting analysis using bureau/application/customer data to identify anomalies and adverse trends

Job Responsibility

Perform the validation of all customer-facing credit risk platforms post-deployment, ensuring that they function as intended, align with business strategies, and meet regulatory requirements
development and execution of post-implementation validation frameworks, focusing on model performance, rule accuracy, and platform effectiveness across all credit risk decisioning systems
partner with risk management, IT, and operations teams to assess potential vulnerabilities, gaps, or deficiencies in system performance and address them promptly
support to establish a robust framework for ongoing production monitoring of credit risk platforms, ensuring proactive identification and resolution of system performance issues
implement real-time and batch monitoring processes that assess credit risk platforms’ operational performance, data integrity, and customer impact across various product lines
ensure timely resolution of production issues, including the identification of root causes, formulation of solutions, and collaboration with technology teams to implement necessary fixes or enhancements
ensure all customer-facing credit risk platforms perform reliably in production, minimizing any negative impact on the customer experience due to system errors, downtimes, or performance issues
support initiatives to continuously improve platform stability, reducing risk to customers and ensuring the organization’s credit risk models and rules are consistently delivering accurate decisions
engage with business stakeholders to understand customer needs and expectations, ensuring production systems evolve to meet them efficiently and effectively
ensure all post-implementation validation and production monitoring activities meet regulatory and compliance requirements, including alignment with policies related to credit risk, data usage, and customer protection

What we offer

Equal opportunity employment
support for people with disabilities
best-in-class benefits for employees to be well, live well and save well

Fulltime

Credit Portfolio Senior Analyst

Citi

Location:
India , Mumbai

Category:
Finance

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Additional Information:

Job Posted:
January 22, 2026

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Location:India , Mumbai

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Job Description:

Job Responsibility:

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Additional Information:

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