Senior Credit Analyst, AVP (Hybrid)

Citi; Mumbai; Hybrid; INR 1,800,000 - 3,200,000; Full time

Benefits offered by this job

Hybrid work model

Job summary

Citi's independent Credit Risk Review team in Mumbai is seeking a Senior Credit Risk Analyst to perform rigorous credit analysis, monitor portfolio risk trends, and apply AI-enabled tools to surface emerging risks. You will work with Lead Reviewers on high-impact reviews across corporate and financial institution portfolios, prepare Credit Assessment Documents, and contribute to regulatory reporting.

The role requires 3–6 years of experience, strong Excel and data analytics skills, and excellent

Qualifications

• 3–6 years of credit analysis experience in a global financial institution or banking environment.
• Formal credit training or understanding of financial accounting standards and credit analysis methodologies.
• Ability to analyse financial statements and evaluate creditworthiness of corporate or institutional borrowers.
• Proficiency in Microsoft Office, especially Excel, PowerPoint, and Word, with aptitude for AI-enabled data analytics tools.
• Excellent organisational and time-management skills with ability to manage multiple deliverables.
• Clear written and verbal communication skills for presenting to management.
• Bachelor’s degree in Economics, Finance, Accounting, or related quantitative discipline.

Responsibilities

• Assess accuracy and integrity of credit analyses, exposure calculations, risk rating methodologies, and asset classifications across portfolios.
• Partner with Lead Reviewers to produce Credit Assessment Documents with quantitative support.
• Analyse financial statements, underwriting processes, and covenant compliance to track credit quality across lifecycle.
• Apply AI and machine learning tools to streamline data extraction and surface risk indicators.
• Translate qualitative risk observations into data-backed evidence for defensible portfolio health conclusions.
• Synthesize analytical findings into clear presentations for senior risk management and governance committees.
• Contribute to regulatory examination materials and reporting outputs.

Skills

Credit analysis

Financial analysis

Microsoft Excel

AI/data analytics tools

Time management

Communication

Education

Bachelor’s degree in Economics/Finance/Accounting or related quantitative discipline

MBA or MS in Finance (beneficial)

Tools

Microsoft Office

Python (beneficial)

Job description

This is an opportunity to join Citi's independent Credit Risk Review team — a function that delivers direct assurance to the Board of Directors, senior risk leadership, and global regulators on the effectiveness of credit risk management across the firm's global portfolio. As a Senior Credit Risk Analyst, you will conduct rigorous credit analysis, monitor portfolio risk trends, and apply data analytics and AI-enabled tools to surface emerging risks before they materialise. You will work closely with Lead Reviewers on high-impact credit reviews, gaining broad exposure across corporate and financial institution portfolios at one of the world's largest global banks.

Responsibilities

• Assess the accuracy and integrity of credit analyses, exposure calculations, risk rating methodologies, and asset classifications across monitored portfolios to ensure alignment with institutional standards.
• Partner with Lead Reviewers to produce comprehensive Credit Assessment Documents, integrating quantitative data analytics to substantiate portfolio conclusions or flag thematic risk concentrations.
• Analyse financial statements and review underwriting processes, approved credit memos, and covenant compliance to track credit quality across the full lifecycle from origination through to workout and remediation.
• Apply AI and machine learning tools to streamline data extraction, identify risk patterns across diverse portfolios, and proactively surface emerging credit risk indicators.
• Translate qualitative risk observations into data-backed evidence, enabling Lead Reviewers to draw clear and defensible conclusions on portfolio health.
• Synthesise complex analytical findings into clear, concise presentations for senior risk management and internal governance committees.
• Contribute to regulatory examination materials and reporting deliverables, ensuring outputs meet the standards expected by global regulators and internal oversight bodies.

Required qualifications & skills

• A minimum of 3–6 years of credit analysis or credit risk management experience within a global financial institution or banking environment, with candidates holding 3 or more years of experience equally welcomed.
• Formal credit training or a thorough understanding of financial accounting standards and credit analysis methodologies.
• Demonstrated ability to analyse financial statements and evaluate the creditworthiness of corporate or institutional borrowers.
• High proficiency in Microsoft Office, particularly Excel, PowerPoint, and Word, with a strong aptitude for AI-enabled productivity and data analytics tools.
• Exceptional organisational and time-management skills, with the ability to manage multiple concurrent deliverables and maintain meticulous attention to detail.
• Clear and effective written and verbal communication skills, with the ability to present complex credit risk concepts to varied levels of management.
• A bachelor's degree in Economics, Finance, Accounting, or a related quantitative discipline.

Beneficial skills & qualifications

• Prior experience specifically assessing the creditworthiness and financial strength of corporates and financial institutions.
• Working knowledge of Python applied to data extraction, analysis, or automation in a financial or risk context.
• An advanced degree such as an MBA or MS in Finance, or a professional qualification such as CFA, FRM, or CPA.

What we offer

Joining Citi's Credit Risk Review team means working at the centre of independent risk oversight for one of the world's most influential financial institutions. You will gain hands‑on exposure to complex credit portfolios spanning corporates and financial institutions globally, develop your analytical capabilities through the application of AI and data-driven tools, and build a career with real influence on credit risk governance at the highest levels of the firm.

• A hybrid working arrangement with 3 days in the office and 2 days working remotely, giving you structure and flexibility in equal measure.
• Direct exposure to senior risk leadership, board-level reporting, and regulatory engagement — experience that accelerates career development in credit risk and independent review functions.
• The opportunity to work with emerging AI and machine learning tools applied to real credit risk challenges, broadening your technical skillset in a regulated environment.
• Access to Citi's global learning and professional development programmes, supporting continuous growth in credit analysis, risk management, and data analytics.
• A collaborative, performance-driven environment where your analytical contributions directly inform risk decisions at a global scale.
• Comprehensive wellbeing and financial benefits in line with Citi's employee support programmes.

Job Family Group

Risk Management

Job Family

Credit Review Risk Management

Time Type

Full time

Most Relevant Skills

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

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