At Citi, we get to connect millions of people across hundreds of cities and countries every day. And we've been doing it for more than 200 years. We do this through our unparalleled global network. We provide a broad range of financial services and products to our clients – whether they be consumers, corporations, governments or institutions – to help them meet their biggest opportunities and face the world's toughest challenges.

We’re currently looking for a high caliber professional to join our team as Officer, Credit Portfolio Analyst II, Hybrid based in Mumbai, India. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future. For instance:

· Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country.

· 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. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world.

The Credit Portfolio Analyst II is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.

The Analyst will support credit card portfolio risk management through data-driven analysis, performance monitoring, and risk insights. The role focuses on assisting senior analysts and managers in portfolio monitoring, acquisition risk analysis, credit policy evaluation, and model performance tracking, with increasing ownership over defined analytical modules.

In this role, you are expected to:

Portfolio Monitoring & Risk Analysis

• 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.
• Assist in diagnosing portfolio performance changes and segment-level risk drivers.

Acquisition & New Account Risk

• 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.
• Prepare analytical summaries for discussions with business and marketing teams.

Credit Policy & Strategy Support

• Support analysis for credit underwriting policy changes.
• 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.

Forecasting, Stress & Ad-hoc Analysis

• Support loss forecasting and scenario analysis under guidance.
• Assist in assessing portfolio sensitivity to macroeconomic changes.
• Perform ad-hoc analyses to support risk reviews and management requests.

Stakeholder Communication & Governance

• Prepare clear, structured presentations for senior analysts and managers.
• Support documentation for risk governance and audit requirements.
• Participate in regular risk review forums as an analytical contributor.
• 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.

As a successful candidate, you’d ideally have the following skills and exposure:

• 2–4 years of experience in credit card risk analytics, consumer lending, or financial analytics.
• Bachelor’s or Master’s degree in Statistics, Mathematics, Economics, Engineering, or related quantitative fields

​​Technical Skills

• Strong working knowledge of SQL/SAS; exposure to Python  preferred.
• Experience working with large datasets.
• Experience with Tableau or PowerPoint for visualization and reporting.

Analytical & Business Skills

• 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.
• Familiarity with data interpretation and ability to challenge decisions based on data analysis.
• Ability to interpret data, make sound decisions, and challenge the basis of the analysis.

Soft Skills

• Willingness to learn and take increasing ownership.
• Ability to work collaboratively across teams.
• Clear and concise written and verbal communication.

General Skills:

• 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.
• Adds value and contributes to the success of the team.
• Ability to work with little direction and in a team.
• Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment.

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Working at Citi is far more than just a job. A career with us means joining a family of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Take the next step in your career, apply for this role at Citi today

Citi Careers | Find Your Next Opportunity

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

 

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