Credit Portfolio Intermediate Analyst, Officer

Citi; Bengaluru; Hybrid; INR 800,000 - 1,500,000; Full time

Benefits offered by this job

Access to telehealth options

Expanded Paid Parental Leave Policy

Learning and development resources

Generous paid time-off packages

Volunteer programs in local communities

Job summary

A global financial services company is seeking a Credit Portfolio Intermediate Analyst in Bengaluru, India. This hybrid role requires 2–5 years of relevant experience in financial analysis and strong communication skills. Responsibilities include monitoring credit portfolios, approving credit limits, and advising clients. Join to contribute to risk management and ensure compliance with regulations. Enjoy a comprehensive benefits package that supports personal well-being and career development.

Qualifications

• 2–5 years of relevant experience.
• Experience in financial analysis, accounting and valuation.
• Consistently demonstrate clear and concise written and verbal communication.

Responsibilities

• Resolve issues and recommend solutions to moderate problems.
• Analyze and approve counter‑party credit limits for trading and financing.
• Advise businesses and clients on transaction structures and negotiate credit terms.

Skills

Analytical Thinking

Constructive Debate

Escalation Management

Industry Knowledge

Policy and Procedure

Process Execution

Product Knowledge

Risk Controls and Monitors

Risk Identification and Assessment

Education

Bachelor’s degree/University degree or equivalent experience

Job description

Join to apply for the Credit Portfolio Intermediate Analyst, Officer role at Citi

At Citi, we connect millions of people across hundreds of cities and countries every day. We have been doing this for more than 200 years, providing a broad range of financial services and products to our clients—whether they are 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 Intermediate Analyst, Hybrid based in Bangalore, 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 decisions, 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 broaden and deepen your skills and knowledge as your career progresses.
• We offer generous paid time‑off packages to help employees balance work and life.
• We offer resources and tools to volunteer in the communities in which we live and work.

The Credit Portfolio Intermediate Analyst 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.

Responsibilities

• Resolve issues and recommend solutions to moderate problems.
• Integrate specialty area knowledge with an understanding of industry standards and practices, and how teams collaborate to accomplish goals of the sub‑function / job family.
• Serve as an industry expert and advisor.
• Analyze and approve counter‑party credit limits for trading, transactional and financing businesses with funds.
• Develop risk management framework and processes for funds.
• Advise businesses and clients on transaction structures and negotiate credit terms.
• Operate with a limited level of direct supervision.
• Exercise independence of judgement and autonomy.
• Act as SME to senior stakeholders and/or other team members.
• Appropriately assess risk when business decisions are made, demonstrating 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 behaviour, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications

• 2‑5 years of relevant experience.
• Experience in financial analysis, accounting and valuation.
• Consistently demonstrate clear and concise written and verbal communication.
• Bachelor’s degree/University degree or equivalent experience.

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.

Job Family Group

Risk Management

Job Family

Portfolio Credit Risk Management

Time Type

Full time

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.

Other Relevant Skills

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

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.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review, view Citi’s EEO Policy Statement and the Know Your Rights poster.