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Sr. Credit Analyst - Vice President

India, Mumbai · Job Posted June 17, 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 some of our largest Real Money Funds clients. The role will also support the Funds Credit Analyst Team Lead, guide junior analysts and review CAMs (checker) while also supporting the Team Lead on other adhoc tasks. This is a First Line of Defense risk management role, with plenty of opportunities to work with front office and independent risk partners.

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
  • Ensure on-going training to team, reviewing CAMs and providing timely feedback to underwriting analysts to sustain a strong credit underwriting standard, culture and an unwavering commitment to excellence in analysis and execution
  • Assist the team lead with ad hoc deliverables/tasks and proactively assume additional responsibilities to help manage workload
  • Review and provide recommendation on the risk rating across the Funds sector
  • Partner with regional and industry stakeholders in Underwriting, 2LoD, and BCMA in the implementation of credit assessment and monitoring standards for applicable portfolios

Requirements

  • Demonstratable financial services experience, including 6+ years of credit experience in Banking, Credit Risk Management or equivalent credit experience
  • Strong knowledge of Wholesale Credit Processes and organizational awareness including ICM functions, covered portfolios/products, and processes
  • Sound understanding of policies, standards and procedures with the ability to execute change seamlessly
  • Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks)
  • Solid and thorough knowledge of Citi´s systems (preferable)
  • Experience in preparing clear and concise presentations to senior stakeholders
  • Full awareness and adherence to the control environment including Quality Assurance and Quality Control
  • Credit Officer (CO) or demonstrating the skills aligned with that designation will be advantageous
  • MBA, CA, CFA or equivalent

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