Credit Risk Analytics, Analyst II

Jobtailor; Gurugram District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Citi in Gurugram is seeking a credit risk analyst to conduct risk assessments, analyze credit proposals, and support the preparation of financial projections. The role requires building cash flow models and performing stress tests while coordinating with deal, coverage, and product teams.

You will contribute to due diligence, risk mitigation, and adherence to regulatory standards, ensuring strong risk controls and clear communication across stakeholders.

Qualifications

• 2+ years of experience in credit risk analysis or corporate banking.
• Knowledge of accounting and corporate finance, risk management, credit products and analytics.
• Ability to interpret data and challenge decisions based on data analysis.
• Understanding of risk factors including stress testing, collateral risk and liquidity.
• Clear and concise written and verbal communication.
• Ability to work with minimal direction and in a team.

Responsibilities

• Conduct risk assessments and client credit analysis with supervision.
• Review financial results and peer analyses to support financial projections.
• Assist in green-light and transaction approval memos.
• Support due diligence and build cash flow models and sensitivity analyses.
• Escalate credit concerns to senior risk and business managers.
• Support risk mitigation actions and stay informed on portfolio developments.
• Assist with portfolio review prep and stress testing.
• Build relationships with deal, coverage, and product teams.
• Assess risk when business decisions are made to safeguard Citi’s reputation and assets.
• Support compliance with laws, rules, and regulations and report control issues.
• Provide input into risk analysis of tools monitoring Credit Risk Exposure.
• Assist in collateral risk assessment and stress testing.
• Prepare risk review materials for proactive management and stakeholders.
• Monitor credit portfolio limits to ensure risk appetite compliance.

Skills

Credit risk analysis

Financial projections

Risk management

Data interpretation

Stress testing

Communication

Team collaboration

Adaptability

Education

Accounting and corporate finance

Tools

Risk Management Software

Job description

• Conduct risk assessments and client credit analysis with supervision.
• Review financial results and peer analyses to support the preparation of financial projections.
• Assist in the preparation of green-light and transaction approval memos.
• Support due diligence activities and the building of cash flow models and sensitivity analyses.
• Escalate credit concerns and updates to senior risk and business managers.
• Support the proposal of risk mitigation actions by staying informed of related developments in the portfolio and industry, and by understanding the credit process, policies, and Citi's risk appetite.
• Assist with portfolio review preparation and the conduct of stress tests.
• Build working relationships with various teams across the bank, including deal, coverage, and product teams.
• Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets.
• Support compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency.
• Provide input into the risk analysis of tools used to monitor Credit Risk Exposure.
• Assist in the assessment of collateral risk and stress testing.
• Assist in the preparation of risk review materials for proactive risk management and to present to internal stakeholders.
• Assist in monitoring credit portfolio limits to ensure compliance with risk appetite limits.

Requirements

• 2+ years of experience in credit risk analysis or corporate banking
• Knowledge of accounting and corporate finance, risk management, credit and banking products, credit analytics, risk assessment, and transaction execution.
• Familiarity with data interpretation and ability to challenge decisions based on data analysis.
• 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.
• Ability to interpret data, make sound decisions, and challenge the basis of the analysis.
• Clear and concise written and verbal communication.
• Ability to work with little direction and in a team.
• Problem-solving skills to identify, analyze, and challenge basic problems.
• Familiarity with risk management software and other relevant technologies.
• Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment.

Core Competencies

Demonstrates expertise in credit risk analysis, financial projections, and risk management practices, with a strong ability to interpret data and communicate findings effectively. Proficient in conducting risk assessments, supporting due diligence, and ensuring compliance with regulatory standards.

Highest-signal resume keywords

• Credit Risk Analysis
• Financial Projections
• Risk Management
• Data Interpretation
• Stress Testing

ATS Optimization Keywords

Hard Skills

• Credit Analytics
• Risk Assessment
• Transaction Execution
• Collateral Risk Assessment
• Financial Analysis

Soft Skills

• Clear Communication
• Problem-Solving
• Team Collaboration
• Adaptability

Industry Keywords

• Corporate Banking
• Credit Products
• Regulatory Compliance
• Risk Appetite
• Portfolio Management

Tools & Technologies

• Risk Management Software