Senior Credit Analyst, AVP (Hybrid)

Citigroup Inc.; Mumbai; Hybrid; INR 1,200,000 - 1,800,000; Full time

Job summary

Citi is hiring a Senior Credit Risk Analyst to join its Credit Risk Review team. The role focuses on rigorous credit analysis, monitoring portfolio risk, and applying AI-enabled tools to surface emerging risks.

You will collaborate with Lead Reviewers on high-impact reviews across corporate and institutional portfolios within a global banking context. Responsibilities include analysing financial statements, tracking risk trends, and synthesising findings for executive governance.

Qualifications

• 3–6 years of credit analysis or credit risk management experience.
• Formal credit training or understanding of financial accounting standards.
• Ability to analyse financial statements and assess creditworthiness.
• Proficiency with MS Office; aptitude for AI-enabled analytics.
• Strong organizational and communication skills.

Responsibilities

• Assess accuracy and integrity of credit analyses, exposure calculations, risk rating methodologies, and asset classifications across monitored portfolios.
• Partner with Lead Reviewers to produce Credit Assessment Documents with quantitative data analytics.
• Analyse financial statements and covenant compliance across lifecycle from origination to remediation.
• Apply AI and machine learning tools to surface emerging credit risk indicators.
• Translate qualitative risk observations into data-backed evidence for clear conclusions.
• Prepare concise presentations for senior risk management and governance committees.
• Contribute to regulatory materials and reporting standards.

Skills

Credit risk analysis

Financial statement analysis

Microsoft Excel

PowerPoint

Word

AI / data analytics tools

Communication

Time management

Education

Bachelor's degree in Economics, Finance, Accounting, or related quantitative discipline

MBA or MS in Finance; CFA/FRM/CPA (preferred)

Tools

Python

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

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.