Credit Risk Researcher, Vice President

CITI; Mumbai; Hybrid; INR 3,500,000 - 7,000,000; Full time

Benefits offered by this job

Hybrid work model

Job summary

Citigroup Inc. in Mumbai seeks a Vice President of Credit Risk Research to lead in-depth analysis across wholesale and retail portfolios, informing senior leadership and risk governance.

You will develop risk measurement methodologies, identify emerging risk themes, and present clear findings to executives, shaping Citi's credit risk strategy and governance framework. This senior, individual-contributor role offers visibility to top management and requires strong communication, quantitative

Qualifications

• Bachelor's degree in economics, finance, statistics or related quantitative field.
• 8+ years of experience in financial services analytics with credit risk focus.
• Strong quantitative and qualitative analytical skills for risk measurement.
• Interpret complex credit data to identify material risk themes.
• Communicate risk findings clearly to senior leadership.
• Familiarity with credit risk governance frameworks and regulatory environment.
• Ability to manage multiple research workstreams to deadlines.

Responsibilities

• Conduct in-depth credit risk research across wholesale and retail portfolios.
• Develop and refine credit risk measurement methodologies.
• Analyze portfolios to identify risk concentrations and trends.
• Monitor credit risk exposures at counterparty and sector levels.
• Produce high-quality risk assessment reports for senior stakeholders.
• Present research conclusions to senior business and risk leaders.
• Contribute to governance frameworks embedding research outputs.

Skills

Bachelor's degree

8+ years exp

Quantitative skills

Qualitative analysis

Credit risk governance

Executive communication

Multi-task management

Education

Bachelor's degree in economics, finance, statistics

Master's degree in economics/finance/statistics

Job description

As a Vice President in Credit Risk Research at Citi, you will conduct high-impact analysis across wholesale and retail portfolios that directly shapes how the firm identifies, measures, and manages credit exposure. This individual contributor role gives you the platform to inform senior leadership, influence governance frameworks, and apply deep credit risk expertise to decisions with firm-wide consequences. If you can translate complex analysis into clear, actionable insight, this position offers the scope and visibility to make a lasting impact.

Responsibilities

• Conduct in-depth credit risk research across wholesale and retail portfolios, producing assessments that equip senior leadership with well-informed risk decisions.
• Develop and refine credit risk measurement methodologies, keeping Citi's approach to credit risk rigorous and aligned with evolving market conditions.
• Analyze credit portfolios to identify emerging risk concentrations, trends, and vulnerabilities, translating findings into clear risk mitigation recommendations.
• Monitor counterparty and sector-level credit risk trends to maintain an accurate, current view of Citi's credit exposures.
• Produce high-quality risk assessment reports and research outputs that communicate complex findings clearly to senior stakeholders.
• Present research conclusions to senior business and risk leaders, informing strategic credit risk decisions.
• Contribute to the development and refinement of credit risk governance frameworks, embedding research outputs into risk oversight processes.

Required Qualifications & Skills

• Hold a bachelor's degree in economics, finance, statistics, or a related quantitative field.
• Bring 8+ years of experience in financial services and analytics, with deep expertise in wholesale or retail credit risk research or a closely related discipline.
• Apply strong quantitative and qualitative analytical skills to develop and enhance credit risk measurement methodologies.
• Interpret complex credit data to identify material risk themes and draw well-reasoned conclusions.
• Communicate nuanced credit risk findings clearly and confidently to senior and executive-level audiences, in writing and in person.
• Maintain familiarity with credit risk governance frameworks and the regulatory environment governing credit risk management in banking.
• Manage multiple research workstreams simultaneously, delivering rigorous, high-quality outputs within defined timelines.

Beneficial Skills & Qualifications

• Hold an advanced degree, such as a Master's, in economics, finance, statistics, or a related quantitative field.

What We Offer

At Citi, Credit Risk Research Vice Presidents work at the center of one of the world's most significant financial institutions, with direct access to complex, high-stakes analysis and the leadership teams who act on it.

• Work in a hybrid model with 3 days in the office and 2 days working remotely, balancing structure with flexibility.
• Gain direct exposure to senior risk and business leadership, with your research informing decisions at the highest levels of the firm.
• Influence credit risk governance frameworks that shape Citi's wholesale and retail portfolio strategy.
• Build your career through Citi's global network of risk professionals and ongoing learning opportunities in credit risk.
• Thrive in a performance-driven environment that recognizes intellectual contribution, accountability, and high-quality analytical work.
• Access comprehensive wellbeing support and resources designed to support work-life balance.

Join Citi as a Vice President in Credit Risk Research and apply your expertise where it shapes the credit risk intelligence guiding one of the world's leading financial institutions.

Job Family Group:

Risk Management

Job Family:

Model Development and Analytics

Time Type:

Full time

Most Relevant Skills

Analytical Thinking, Credible Challenge, Data Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

Other Relevant Skills

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 Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.

#LI-NM1