CrawlJobs Logo

Senior Testing Analyst Consumer Credit Risk

https://www.citi.com/ Logo

Citi

Location Icon

Location:
India , Pune

Category Icon
Category:
Finance

Job Type Icon

Contract Type:
Not provided

Salary Icon

Salary:

Not provided
Save Job
Save Icon
Apply Position

Job Description:

The Senior Testing Analyst (SAS-PEGA) (AVP) – Consumer Credit Riskis responsible for developing and managing comprehensive test strategies, test plans, and test scripts that ensure the accurate integration of credit risk strategies and business rules across multiple teams and platforms. This role focuses on testing the implementation of Credit strategies ensuring that testing processes support the organization’s broader credit risk initiatives and driving continuous improvements in testing methodologies.

Job Responsibility:

  • Lead the creation of comprehensive test strategies for credit risk models, decisioning engines, and business rules
  • Oversee the development of detailed test plans, including scope, objectives, resources, schedules, and deliverables
  • Direct the design and execution of test scripts that validate credit risk rules integration
  • Ensure that all test cases are aligned with credit risk policies
  • Work closely with cross-functional teams, including credit risk, IT, product development, and compliance
  • Implement and maintain strong risk management practices throughout the testing process
  • Drive ongoing improvements in test methodologies, tools, and processes
  • Ensure accurate reporting of test results, including defect tracking, resolution, and metrics

Requirements:

  • Bachelor's degree in a relevant field (e.g., finance, risk management, information technology)
  • 7+ years of experience in consumer credit risk management or financial services, with experience executing test strategies for credit risk systems or decision engines
  • Strong knowledge of credit risk modeling, decisioning platforms, and rules engines
  • Proficient in SQL and SAS
  • Proven experience leading, mentoring, and developing high-performing teams in complex testing environments
  • Strong verbal and written communication skills
  • Strong critical thinking and problem-solving skills
  • Strong understanding of technology platforms, automation tools, and data analytics that support risk model/strategy testing and validation

Nice to have:

  • A Master’s degree or certifications in credit risk, financial analysis, or software testing is a plus
  • Familiarity with testing tools and automation frameworks is preferred
  • Experience incorporating AI/ML or advanced statistical methodologies into credit risk testing processes is preferred

Additional Information:

Job Posted:
February 14, 2026

Employment Type:
Fulltime
Work Type:
Hybrid work
Icon
Citi - All Job Offers
Job Link Share:
Copy Link Icon
Facebook Icon Twitter Icon LinkedIn Icon

Looking for more opportunities? Search for other job offers that match your skills and interests.

Briefcase Icon

Similar Jobs for Senior Testing Analyst Consumer Credit Risk

Officer, Consumer Risk, Data Projects, Credit Analyst

The Credit Analyst II is an intermediate-level position responsible for credit r...
Location
Location
Hong Kong , Kowloon
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Minimum 2-3 years of experience in credit risk analysis in Cards and Unsecured Lending products
  • Experience in managing regulatory reporting
  • Proficient in handling mass data and able to interpret results with critical analysis
  • Consistently demonstrate clear and concise written and verbal communication
  • Bachelor or post-graduate degree in Business, Statistics, Data Science or other related quantitative disciplines
  • Self-initiative, effective communication and interpersonal skills as well as the ability to motivate others, strong sense of compliance awareness
  • Sound knowledge in SAS programming, data mining and MS Word/Excel/Access/Power-Point is a basic
Job Responsibility
Job Responsibility
  • Report to Senior Credit Risk Manager to support data project and risk analysis
  • Oversight and manage the data project and make sure it is operating according to expectation
  • Works with large datasets and complex algorithms to solve data science challenges
  • Perform regular monitoring & validation on the performance of the unsecured lending portfolios
  • Ensure all credit processes follow company policies and requirements set out by the local as well as lead regulator through effective execution of control programs such as self-assessment, quality assurance, application audit
  • Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite
  • Assist with portfolio review preparation and conducting stress tests
  • Build working relationships with various teams across the bank, including central data, policy, and product teams
  • 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
What we offer
What we offer
  • Citi provides 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 and tools to volunteer in the communities in which they live and work
  • Fulltime
Read More
Arrow Right

Credit Portfolio Sr Analyst

The Credit Risk Senior Analyst (AVP) is an intermediate-level position responsib...
Location
Location
Singapore , Singapore
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 5-8 years relevant experience
  • Knowledge of consumer 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
  • 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
Job Responsibility
Job Responsibility
  • 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 its 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
What we offer
  • Extensive on-the-job training
  • Exposure to senior leaders
  • Work-life balance initiatives
  • Opportunity to volunteer and give back
  • Comprehensive global benefits
  • Fulltime
Read More
Arrow Right

Credit Portfolio Senior Analyst

The C12 AVP is a senior individual contributor and emerging leader responsible f...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 8+ years of experience in credit card risk / consumer lending / portfolio 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
Job Responsibility
Job Responsibility
  • Portfolio Risk Ownership & Performance Management
  • Acquisition & New Account Risk Strategy
  • Existing Customer Management (ECM) Responsibilities
  • Credit Policy Execution & Governance
  • Forecasting, Stress Testing & Macro Risk
  • Model Oversight & Risk Judgment
  • Stakeholder Management & Influence
  • Mentorship & Capability Building
  • Fulltime
Read More
Arrow Right

Consumer Cards Credit Portfolio Intermediate Analyst

The Consumer Cards Credit Risk Intermediate Analyst is a senior individual contr...
Location
Location
India , Gurugram
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
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
Job Responsibility
Job Responsibility
  • Portfolio Monitoring & Strategic Insights: 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
  • Acquisition & New Account Risk Strategy: 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
What we offer
What we offer
  • Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more
  • We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world
  • We empower our employees to manage their financial well-being and help them plan for the future
  • Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses
  • We have a variety of programs that help employees balance their work and life, including generous paid time off packages
  • We offer our employees resources and tools to volunteer in the communities in which they live and work
  • Fulltime
Read More
Arrow Right

Consumer Cards Credit Portfolio Intermediate Analyst

The Credit Portfolio Intermediate Analyst role is a senior individual contributo...
Location
Location
India , Bengaluru; Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
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
Job Responsibility
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
What we offer
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 to help broaden and deepen your skills and knowledge
  • 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
Read More
Arrow Right

Credit Portfolio Analyst 2

The Credit Portfolio Analyst 2 will support credit card portfolio risk managemen...
Location
Location
India , Gurugram
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 1.5–4 years of experience in credit card risk analytics, consumer lending, or financial analytics
  • Bachelor’s/Master’s degree in business, Statistics, Finance, Economics, or related quantitative fields
  • Strong working knowledge of SQL/SAS
  • exposure to Python preferred
  • Experience working with large datasets
  • Experience with Tableau or PowerPoint for visualization and reporting
  • Understanding of consumer credit risk fundamentals
  • Ability to interpret data and explain results clearly
  • Structured thinking and attention to detail
  • Problem-solving skills to identify, analyze, and challenge basic problems
Job Responsibility
Job Responsibility
  • Track portfolio performance metrics including delinquency, roll rates, losses, and utilization
  • Perform trend, vintage, and cohort analysis to identify early risk signals
  • Support creation and maintenance of risk dashboards and MIS
  • Analyze performance of new account vintages by channel, product, and segment
  • Monitor early delinquency and first-payment default trends
  • Support evaluation of acquisition strategies to balance growth and risk
  • Assist in evaluating approval rate vs loss trade-offs
  • Participate in champion–challenger analysis for policy and strategy updates
  • Help document policy rationale and analytical findings
  • Monitor existing customer credit risk performance across ECM levers, including CLI, CLD, authorization controls, and line management etc
What we offer
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
  • Fulltime
Read More
Arrow Right

Senior Capital Markets & Credit Analytics Analyst

The Sr. Capital Markets & Credit Analytics Analyst is a core contributor to Good...
Location
Location
United States , San Francisco
Salary
Salary:
105000.00 - 140000.00 USD / Year
goodleap.com Logo
GoodLeap
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Minimum bachelor's (or advanced) degree
  • 4–6 years of experience
  • Strong proficiency in SQL and Python
  • Expert in Microsoft Excel (advanced functions, modeling, automation) and PowerPoint
  • Foundation in consumer credit analytics—credit bureaus, scorecards, risk segmentation, loan lifecycle, and credit performance metrics
  • Ability to work across simultaneous projects and tight deadlines in an agile, fast-paced environment
  • Exceptional attention to detail, intellectual curiosity, and eagerness to learn new analytical tools and credit concepts
  • Knowledge of consumer finance concepts, including credit risk modeling, loan lifecycle, and performance metrics
  • Strong communication skills—capable of simplifying technical findings for diverse audiences (executives, investors, engineers)
Job Responsibility
Job Responsibility
  • Develop, refine and optimize credit and underwriting strategies across GoodLeap’s product lines
  • Perform portfolio analytics to evaluate performance trends, risk patterns and segmentation outcomes
  • Produce data-driven dashboards, research reports and presentations for senior stakeholders and external partners
  • Analyze macroeconomic trends, competitive benchmarks, and capital market indicators to inform policy and capital strategy
  • Monitor regulatory developments and policy developments impacting consumer lending
  • Serve as primary point of contact for policy questions, exception review insights, and investor driven guideline questions
  • Partner with Treasury, Risk Management, and Business Intelligence to maintain high data integrity, audit trails and consistent documentation
  • Build and maintain financial and credit risk models for valuation, forecasting capital transactions and scenario simulations
  • Be tactical product owner for credit policy execution, including signing off on QA/UAT testing and releases
  • Translate credit changes into decision logic for credit engine and operational workflows
  • Fulltime
Read More
Arrow Right

Consumer Cards Credit Portfolio Analyst

The Credit Portfolio Analyst 2 is an individual contributor and emerging risk le...
Location
Location
India , Bengaluru; Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 1.5 to 4 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
Job Responsibility
Job Responsibility
  • Portfolio Monitoring & Strategic Insights: 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
  • Acquisition & New Account Risk Strategy: 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
What we offer
What we offer
  • Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more
  • We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world
  • We empower our employees to manage their financial well-being and help them plan for the future
  • Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses
  • We have a variety of programs that help employees balance their work and life, including generous paid time off packages
  • We offer our employees resources and tools to volunteer in the communities in which they live and work
  • Fulltime
Read More
Arrow Right
Jobs by Category
Art and Entertainment Jobs Banking Jobs Call Center Jobs Construction Jobs Consulting Jobs Customer Service Jobs Education Jobs Energy Jobs Finance Jobs Gastronomy Jobs Health and Beauty Jobs Hospitality and Tourism Jobs Human Resources Jobs Insurance Jobs IT - Administration Jobs IT - Software Development Jobs Legal Jobs Logistics Jobs Manufacturing Jobs Marketing, Digital Marketing, SEO, SEM Jobs Media Jobs Nursing Jobs Office Administration Jobs Pharmacy Jobs Physical Work Jobs Public Relations Jobs Public Sector Jobs Purchasing Jobs Quality Control Jobs Real Estate Jobs Research and Development Jobs Sales Jobs
Job Positions Jobs by Country
United States Jobs United Kingdom Jobs India Jobs Canada Jobs Australia Jobs Germany Jobs Ireland Jobs Poland Jobs
Company
Blog About Us Contact
Follow Us
Facebook
X (Twitter)
LinkedIn
Instagram
CrawlJobs Group
ITFlashcards AllDevBlogs
© 2026 CrawlJobs Ltd. All Rights Reserved
Terms & Conditions Privacy Policy