ICM Credit Risk Intermediate Analyst – Officer (Real Money Funds)

Citigroup Inc.; Mumbai; On-site; INR 1,500,000 - 2,600,000; Full time

Job summary

Citi Institutional Credit Management (ICM) Funds Underwriting is a global team focused on credit analysis for Real Money Funds clients. The role supports first-line risk management, assessing credit strength and preparing write-ups for recommended credit decisions.

We seek a candidate with 4–6 years in credit risk within banking, solid wholesale credit knowledge, and strong presentation skills to senior stakeholders. Education: MBA/CA/CFA or equivalent.

Qualifications

• 4–6 years of credit risk experience in banking or risk management.
• Strong knowledge of wholesale credit processes and ICM functions.
• Familiarity with Citi systems preferred.
• Experience presenting to senior stakeholders.
• Strong ownership and time-management under deadlines.
• Proficiency in MS Office (Word, Excel, PowerPoint).

Responsibilities

• Assess the credit and financial strength of Citi's Real Money Funds Clients (for EMEA Funds portfolio) 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 Funds Counterparties based on independent assessment and judgement.
• Continuous monitoring of the covered portfolio, including following industry trends and escalation of potential credit issues to Underwriting Team Leads and partners.
• Review and provide recommendation on the risk rating across the Funds sector.
• Partner with regional and industry stakeholders in Underwriting, 2LoD, and Banking in the implementation of credit assessment and monitoring standards.

Skills

Credit analysis

Financial analysis

Stakeholder communication

MS Excel

PowerPoint

Time management

Education

MBA/CA/CFA or equivalent

Tools

Citi systems

Job description

Institutional Credit Management (ICM) is a critical component of Citi's First Line of defense for wholesale and counterparty credit risk (CCR) management. ICM works with Independent Risk teams to ensure best-in-class risk and controls, and client responsiveness. Key responsibilities of the group include credit analysis, documentation, risk identification, exposure monitoring and stress testing. ICM coordinates with credit management groups across Markets as well as Banking to ensure full alignment on business and regulatory goals, as well as consistency and best practices.

Within ICM Counterparty Credit Risk (CCR), ICM Funds Underwriting is a global team responsible for measuring, monitoring and controlling counterparty risk for Funds, covering Investment Advisors as Agent, and Pension Funds. We are seeking an experienced professional to perform credit analysis (preparing CAMs) for Real Money Funds clients. This is a First Line of Defense risk management role.

Key Responsibilities

• Assess the credit and financial strength of Citi's Real Money Funds Clients (for EMEA Funds portfolio) 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 Funds 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 Underwriting Team Leads, 2LoD Risk Partners and Banking partners
• Review and provide recommendation on the risk rating across the Funds sector
• Partner with regional and industry stakeholders in Underwriting, 2LoD, and Banking in the implementation of credit assessment and monitoring standards for applicable portfolios

Skills/Competencies

• Demonstratable financial services experience, including 4-6 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
• Good knowledge of Wholesale Credit Processes and organizational awareness including ICM functions, covered portfolios/products, and processes
• Solid and thorough knowledge of Citi's systems (preferable)
• Experience in preparing clear and concise presentations to senior stakeholders
• Demonstrate strong ownership and organizational skills with ability and willingness to work under stringent deadlines, manages time and priorities effectively
• Good Microsoft Office (Word, Excel, and PowerPoint) skills

Education

• MBA/CA/CFA or equivalent

Job Family Group: Risk Management

Job Family: Credit Risk

Time Type: Full time

Most Relevant Skills

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

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.