Credit Risk Sr. Analyst (Officer) - Mumbai

Citigroup Inc.; Mumbai; Hybrid; INR 10,00,000 - 15,00,000; Full time

Job summary

A leading global bank in Mumbai is seeking a Credit Risk Sr. Analyst. The successful candidate will conduct credit risk analysis of corporate clients, prepare detailed assessments, and monitor ongoing relationships. Ideal candidates should possess 3-5 years of relevant credit experience, strong analytical skills, and a degree in Business. The role offers opportunities for professional growth and work-life balance through hybrid working arrangements.

Benefits

Paid parental leave

Health and wellness programs

Learning and development resources

Generous paid time off

Qualifications

• 3-5 years of credit experience in Banking or Credit Risk Management.
• Knowledge of Wholesale Credit Processes and organizational awareness.
• Intermediate analytical skills covering financial components.

Responsibilities

• Assess credit and financial strength of Citi’s Large Corporate Clients.
• Complete Credit Analysis Write-ups and Final Risk Ratings.
• Continuously monitor the covered portfolio and industry trends.

Skills

Credit risk analysis

Financial analysis

Interpersonal skills

Organizational skills

Microsoft Office skills

Education

BA/BSc in Business or related subject

Job description

Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.

Shape your Career with Citi

Institutional Credit Management's (“ICM”) mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to ICG Risk and Banking, shared commitment to ensuring the safety and soundness of wholesale lending across ICG.

ICM Risk Analysis Credit Risk Intmd Analysts are responsible for a portfolio of ICG Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio & Industry Reviews and Stress Testing.

We’re currently looking for a high caliber professional to join our team as Credit Risk Sr. Analyst (Officer) – Hybrid (Internal Job Title: Credit Risk Intmd Analyst - C11) 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.

In this role, you’re expected to:

• Assess the credit and financial strength of Citi’s Large Corporate Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.
• Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite.
• Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICG Risk and BCMA partners.
• Partnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.
• Support ICG Risk Analysis Voice of the Employee (VOE) initiatives.
• Travel (less than 10%).

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

• Demonstratable financial services experience, including 3-5 years of credit experience in Banking, Credit Risk Management or equivalent credit experience (candidates with background in commodities, energy and natural resources preferred).
• Knowledge of Wholesale Credit Processes and organizational awareness including ICM functions, covered portfolios, and processes.
• Understanding of policies and procedures with the ability to execute change seamlessly.
• Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to identify root causes and trends and anticipate horizon issues).
• Thorough knowledge of Citi´s systems.
• Experience in preparing presentations for seniors.
• Awareness and adherence to the control environment including Quality Assurance and Quality Control.

Skills/Competencies:

• Assists colleagues in identifying stretch opportunities to elevate individual and team performance.
• Proven culture carrier.
• Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority.
• Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively.
• Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority.
• Microsoft Office (Word, Excel, and PowerPoint) skills.

Qualifications:

• BA/BSc or higher degree in Business (MBA), or any other related subject.

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

https://jobs.citi.com/dei

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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