Credit Maint Intmd Analyst - C11 - MUMBAI

Citi; Maharashtra; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Citi in India is seeking a Credit Maintenance Intermediate Analyst responsible for capturing and recording data on credit exposures, obligors and facilities across credit systems, coordinating with Operations - Services to maintain data quality and monitor credit exposure.

The role emphasizes collaboration with Relationship Managers, data accuracy, risk awareness and compliance with policies to support reliable credit decision-making.

Responsibilities

• Maintain relation and facility data in credit systems and enter data accurately.
• Consult RM to formalize credit facility requests and route issues to the right teams.
• Detect trends in limited-control processes to assess credit line needs and system issues.
• Maintain controls and insurance records, ensuring timely follow-ups and renewals.
• Review incoming credit applications for accuracy and policy compliance, and register them timely.
• Monitor limits vs exposure daily and scale policy exceptions.
• Assist portfolios and apply professional judgments interpreting data.
• Assess risk in decisions, safeguard Citi's reputation, ensure compliance and escalate issues transparently.
• Independently manage day-to-day responsibilities, resolve issues, and guide delivery to meet standards and timelines.
• Translate direction into actions and ensure reliable, timely execution.
• Apply domain expertise and analytics to deliver standards-based outputs.

Job description

Discover your future at Citi

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Job Overview

The Credit Maintenance Intermediate Analyst is an intermediate level position responsible for capturing and recording data on credit exposures, obligors and facilities in relevant credit systems in coordination with the Operations - Services team. The overall objective of this role is to coordinate and maintain data quality in credit systems, monitor and report credit exposure, elevate deficiencies and recommend delinquent strategies in alignment with overall credit policies.

Responsibilities

• Maintain data of relations and facilities in credit system, and enter data accurately in various auxiliary credit systems
• Consult with Relationship Manager (RM) to formalize requests for credit facilities or raise other problems to the appropriate organizations for their attention
• Detect revealed trends in the process of limited control to assess the needs of the line of credit, operations, or system problems
• Maintain accurate controls and insurance records ensuring timely follow-ups and renewals of insurance required for equipment and team’s responsibility
• Prioritize and process the review of incoming credit applications to verify their accuracy and integrity, interpret them so that they are concise, exact, integral, in compliance with the policy, and register them in the database accurately and in a timely manner
• Monitor limits versus exposure at the end of the day and scale exceptions detected by the policy
• Aid important portfolios and apply professional decisions when interpreting information and results
• 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.
• Independently exercise judgement and decision-making in managing day-to-day responsibilities, including evaluating complex situations, resolving issues, and determining appropriate courses of action. Drive and influence delivery of work within area of responsibility, contributing to operational priorities and ensuring progress against timelines. Will be accountable for delivery outcomes, including quality and timelines, and may have a measurable impact on business results within scope. In addition, will provide oversight on execution by reviewing outputs, guiding approach where required, and addressing gaps to ensure delivery meets expected standards. Take ownership of decisions and deliverables within remit, applying analytical thinking and professional expertise to solve problems and ensure effective outcomes.
• Support execution of business decisions within the function by translating direction into actionable steps and ensuring effective follow‑through. Address non‑routine situations and practical challenges by applying judgement to identify solutions or take decisions within scope. Will support effective functioning of the business area by ensuring processes are implemented consistently and outputs meet expected standards. Operate across varied and evolving situations, exercising discretion to respond to changing requirements and priorities, while ensuring reliability, timeliness, and quality in execution within defined scope.
• Applies domain expertise and advanced analytical capability to deliver outputs aligned with established standards and professional benchmarks. Evaluate business requirements by analyzing complex…