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Credit Risk Analyst

India, Mumbai · Job Posted July 04, 2026
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Job Description

Institutional Credit Management (ICM) is a critical component of Citi’s First Line of defense for wholesale and counterparty credit risk (CCR) management. ICM works with Independent Risk teams to ensure best-in-class risk and controls, and client responsiveness. Key responsibilities of the group include credit analysis, documentation, risk identification, exposure monitoring and stress testing. ICM coordinates with credit management groups across Markets as well as Banking to ensure full alignment on business and regulatory goals, as well as consistency and best practices. Within ICM Counterparty Credit Risk (CCR), ICM Funds Underwriting is a global team responsible for measuring, monitoring and controlling counterparty risk for Funds, covering Asset Management Companies, Investment Advisors as Agent, and Pension Funds.We are seeking an experienced professional to perform credit analysis (preparing CAMs) and to underwrite credit for Real Money Funds clients.

Job Responsibility

  • Assess the credit and financial strength of Citi’s Real Money Funds Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
  • Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Funds Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite
  • Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriting Team Leads, 2LoD Risk Partners and BCMA partners
  • Complete quality assurance reviews to ensure application packages and analysis are thorough and accurate prior to forwarding for underwriting
  • 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
  • Demonstrate strong ownership and organizational skills with ability and willingness to work under stringent deadlines, manages time and priorities effectively
  • Clear written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
  • Good Microsoft Office (Word, Excel, and PowerPoint) skills

Requirements

  • 1-2 years prior experience with a focus on credit analysis for corporates / financial institutions
  • Extensive knowledge of accounting, financial regulations, financial products, and credit analysis
  • Ability to analyze business and personal financial statements with respect to Citibank policies
  • MBA, CA, CFA or equivalent
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