Regulatory Risk Model Development Analyst II Job at Citi (Haryana, Bengaluru)

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

New

Risk Model Development Analyst II

Citi’s Risk Modeling Solutions department is responsible for the development, de...

Location

India , Bengaluru; Mumbai; Haryana

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2+ years of experience
Experience in performing quantitative analysis, statistical modeling, loss forecasting, loan loss reserve modeling, or econometric modeling
In-depth knowledge on the use of statistical models to solve business problems
Experience of end-to-end credit risk modeling highly preferred
Experience of CCAR and CECL preferred
Understanding of traditional modeling processes (linear/ logistic regression, segmentation, decision tree) and machine learning algorithms (Random Forest, Gradient Boosting, XG Boost, SVM, etc.), time series, linear/nonlinear optimization
Experience in reporting (risk/marketing) in portfolio reporting, model monitoring, generating business insights
Strong programming (SAS, SQL, Python, R, etc.) and quantitative analytics (regression, time series, decision tree, linear/nonlinear optimization etc.) skills preferred
Strong communication skills required to translate model design, specification and performance details to technical and non-technical audiences
Master’s/University degree or equivalent experience in Economics, Mathematics, Statistics, Finance of other quantitative discipline

Job Responsibility

Participate in building champion/benchmark models for CCAR, CECL, IFRS9, climate risk, and other regulatory/internal purposes for Citi's international and U.S. secured portfolios
Under manager's guidance, perform data cleansing and analysis, identify static and dynamic portfolio drivers and macroeconomic drivers for portfolio risk performances, build PD/EAD/LGD models and conducting statistical analysis and backtests, perform forecast sensitivity analysis and model robustness tests, and provide model implementation and validation support
Create Model Development Document for validation and supporting Annual Model Reviews and Ongoing Performance Assessment of implemented models
Participate in model revalidation, model change and related documentation and validation support efforts
Ensure timely completion of assigned projects with high quality
Work closely with cross functional teams, including country/region’s business stakeholders, model validation and governance teams, and model implementation team
Prepare responses/presentations to regulatory agencies on all CCAR/CECL/IFRS9/Climate models built
Understand model variables and economic forecasts and conduct drill down analysis and reporting of model performances
Deliver comprehensive write-up of ongoing model performance assessment, Annual Model Review / Revalidation documents

Fulltime

New

Model Monitoring and Business Analytics - Analyst II

This position within Global Consumer Banking will focus on model performance Mon...

Location

India , Bengaluru; Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Advanced Degree (Bachelors required or Masters preferred) in Statistics, Computer Science, Operations Research, Economics, etc.
Strong programming (SAS, R, Python, etc.) skills
Experience in reporting tools - Excel, Tableau
Understanding of traditional modeling processes (linear/ logistic regression, segmentation, decision tree) and machine learning algorithms (Random Forest, Gradient Boosting, XG Boost, SVM, etc.), time series, linear/nonlinear optimization
Understanding of relevant model metrics / KPIs & bring out insights on model performance tracking
Good communication skill to communicate technical information verbally and in writing to both technical and non-technical audiences is a must
Extensive experience in model monitoring/validation, performance scorecards, etc. in Excel, Tableau, Cognos, etc.
2+ Years reporting & analytics experience
Extensive experience in reporting (risk/marketing) in portfolio reporting, model monitoring, generating business insights

Job Responsibility

Perform Root Cause Analysis explaining model performance to second line of defense and Policy teams for Business risk decisioning
Analyze & bring out Insights for Credit Risk Non-Regulatory Scoring/ Non-Scoring Segmentation models adding business value
Present model performance to senior stakeholders, CROs, Risk Policy managers, Sponsors explaining the heath of the model
Partnering with Risk Policy leads to help understanding the levers / cut off adjustments required in scores baked in Risk strategies
Explain model performance to second line (Model Risk Management) of defense providing rational for model performance deterioration
Respond to queries from 3rd Line of Defense (Internal and External Auditors) on model performance
Work effectively across cross functional teams - Development, Implementation, Policy, Validation and Governance teams
Perform analysis for benchmark models and other adhoc analysis as required by business/validation teams
Develop knowledge and drive discussions on Model usage across channels, score range with Risk Strategy managers
Conduct QA/QC on all steps (e.g., input data, model output, etc.) required for model monitoring and production forecast reporting

Fulltime

New

Model Monitoring and Business Analytics - Analyst II

This position within Global Consumer Banking will focus on model performance Mon...

Location

India , Mumbai; Bengaluru

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Advanced Degree (Bachelors required or Masters preferred) in Statistics, Computer Science, Operations Research, Economics, etc.
Strong programming (SAS, R, Python, etc.) skills
Experience in reporting tools - Excel, Tableau
Understanding of traditional modeling processes (linear/ logistic regression, segmentation, decision tree) and machine learning algorithms (Random Forest, Gradient Boosting, XG Boost, SVM, etc.), time series, linear/nonlinear optimization
Understanding of relevant model metrics / KPIs & bring out insights on model performance tracking
Good communication skill to communicate technical information verbally and in writing to both technical and non-technical audiences
Extensive experience in model monitoring/validation, performance scorecards, etc. in Excel, Tableau, Cognos, etc.
2+ Years reporting & analytics experience
Extensive experience in reporting (risk/marketing) in portfolio reporting, model monitoring, generating business insights

Job Responsibility

Perform Root Cause Analysis explaining model performance to second line of defense and Policy teams for Business risk decisioning
Analyze & bring out Insights for Credit Risk Non-Regulatory Scoring/ Non-Scoring Segmentation models adding business value
Present model performance to senior stakeholders, CROs, Risk Policy managers, Sponsors explaining the heath of the model
Partnering with Risk Policy leads to help understanding the levers / cut off adjustments required in scores baked in Risk strategies
Explain model performance to second line (Model Risk Management) of defense
Respond to queries from 3rd Line of Defense (Internal and External Auditors) on model performance
Work effectively across cross functional teams - Development, Implementation, Policy, Validation and Governance teams
Perform analysis for benchmark models and other adhoc analysis as required by business/validation teams
Develop knowledge and drive discussions on Model usage across channels, score range with Risk Strategy managers
Conduct QA/QC on all steps (e.g., input data, model output, etc.) required for model monitoring and production forecast reporting

Fulltime

New

Model Monitoring and Business Analytics - Analyst II

This position within Global Consumer Banking will focus on model performance Mon...

Location

India , Bengaluru

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Advanced Degree (Bachelors required or Masters preferred) in Statistics, Computer Science, Operations Research, Economics, etc.
2+ Years reporting & analytics experience
Strong programming (SAS, R, Python, etc.) skills
Experience in reporting tools - Excel, Tableau
Understanding of traditional modeling processes (linear/ logistic regression, segmentation, decision tree) and machine learning algorithms (Random Forest, Gradient Boosting, XG Boost, SVM, etc.), time series, linear/nonlinear optimization
Understanding of relevant model metrics / KPIs & bring out insights on model performance tracking
Good communication skill to communicate technical information verbally and in writing to both technical and non-technical audiences is a must
Extensive experience in model monitoring/validation, performance scorecards, etc. in Excel, Tableau, Cognos, etc.
Extensive experience in reporting (risk/marketing) in portfolio reporting, model monitoring, generating business insights

Job Responsibility

Perform Root Cause Analysis explaining model performance to second line of defense and Policy teams for Business risk decisioning
Analyze & bring out Insights for Credit Risk Non-Regulatory Scoring/ Non-Scoring Segmentation models adding business value
Present model performance to senior stakeholders, CROs, Risk Policy managers, Sponsors explaining the heath of the model
Partnering with Risk Policy leads to help understanding the levers / cut off adjustments required in scores baked in Risk strategies
Explain model performance to second line (Model Risk Management) of defense providing rational for model performance deterioration
Respond to queries from 3rd Line of Defense (Internal and External Auditors) on model performance
Work effectively across cross functional teams - Development, Implementation, Policy, Validation and Governance teams
Perform analysis for benchmark models and other adhoc analysis as required by business/validation teams
Develop knowledge and drive discussions on Model usage across channels, score range with Risk Strategy managers
Conduct QA/QC on all steps (e.g., input data, model output, etc.) required for model monitoring and production forecast reporting

Fulltime

Analyst - Regulatory reporting

Join us as an Analyst - Regulatory reporting role, where to gather, analyse, and...

Location

India , Chennai; Noida

Salary:

Not provided

Barclays

Expiration Date

Until further notice

Requirements

Internal Control Procedures
Regulatory Reporting
Regulatory Process
Basel 1, BASEL 2, BASEL 3 reporting/ Pillar I, Pillar II reporting
Corep Reporting, Regulatory control matrix, large exposure, Leverage Ratio

Job Responsibility

Development and maintenance of a variety of risk reports, including credit, market, operational, and liquidity risk reports, and regulatory reports
Extraction of risk data from various sources, including internal systems, risk models, and external market data feeds
Analysis of risk data to identify trends, patterns, and outliers, and assess the impact of risk exposures
Monitoring key risk indicators and metrics to identify emerging risks and track the effectiveness of risk mitigation strategies
Development and implementation of risk reporting improvements and automation initiatives

Fulltime

Credit Risk Analytics - Analyst II

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

Location

India , Bengaluru; 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 modeling, credit and banking products, credit analytics, risk assessment, and transaction execution
Familiarity with data interpretation and ability to challenge decisions based on data analysis
Basic 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 interpret data, make sound decisions, and challenge the basis of the analysis
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

Job Responsibility

Conduct risk assessments and client credit analyses with supervision
Review financial results and peer analyses to support the preparation of financial projections
Assist in the preparation of green-light and transaction approval memos
Support due diligence activities and the building of cash flow models and sensitivity analyses
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
Assist with portfolio review preparation and the conduct of stress tests
Build working relationships with various teams across the bank, including deal, coverage, and product teams
Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets
Support compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency

Fulltime

Credit Portfolio Analyst II

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

Location

India , Gurugram; Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

0-2 years of experience in credit risk analysis or corporate banking
Experience in financial analysis, accounting, and valuation
Knowledge of accounting and corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution
Familiarity with data interpretation and ability to challenge decisions based on data analysis
Basic 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 interpret data, make sound decisions, and challenge the basis of the analysis
Adds value and contributes to the success of the team
Understands and challenge various risk factors including stress testing, collateral risk and volatility, concentration risks, and liquidity
Clear and concise written and verbal communication
Ability to work with little direction and in a team

Job Responsibility

Conduct risk assessments and client credit analyses with supervision
Review financial results and peer analyses to support the preparation of financial projections
Assist in the preparation of green-light and transaction approval memos
Support due diligence activities and the building of cash flow models and sensitivity analyses
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
Assist with portfolio review preparation and the conduct of stress tests
Build working relationships with various teams across the bank, including deal, coverage, and product teams
Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets
Support compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency

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 in which they live and work

Fulltime

Regulatory Risk Model Development Analyst II

Citi

Location:
India , Haryana, Bengaluru

Category:
Finance

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Nice to have:

Additional Information:

Job Posted:
March 04, 2026

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