Senior Credit Risk Analyst, AVP (Hybrid)

Citi; Mumbai; On-site; INR 1,500,000 - 2,300,000; Full time

Benefits offered by this job

Hybrid work model

Learning and development opportunities

Exposure to complex credit situations

Direct engagement with senior StakeH

Job summary

Citi in Mumbai seeks a Senior Distressed Assets Valuation Analyst to deliver independent valuation and financial analysis across a portfolio of non-performing loans and distressed exposures, informing recovery and restructuring strategies within Citi's risk framework.

You will build and maintain financial models (DCF, liquidation, multiples), conduct scenario analyses, assess collateral values, and prepare reports for credit committees and senior management, collaborating with risk, legal, and

Qualifications

• 3–5 years of experience in credit analysis, corporate restructuring, distressed debt, or related fields.
• Proficient in corporate valuation methods including DCF and relative valuation.
• Strong financial modeling skills using Excel and related tools.

Responsibilities

• Assess distressed assets to determine recovery prospects for non-performing exposures.
• Build and maintain financial models (DCF, liquidation, market-based) to support credit decisions.
• Conduct scenario analyses and stress tests for recovery outcomes under restructuring strategies.
• Evaluate borrower plans, cash flows, and turnaround proposals for viability.
• Analyse financial statements and sector trends to identify valuation drivers and risk.
• Prepare valuation reports and recovery recommendations for committees and senior management.
• Monitor portfolio accounts to detect shifts in collateral values or borrower circumstances.
• Collaborate with risk, legal, and finance teams to support enforcement and asset disposal when needed.

Skills

Credit analysis

Financial modeling

Excel

Stakeholder communication

Autonomy

Education

CA / MBA in Finance / CFA

Tools

Excel

Job description

Citi is looking for a Senior Distressed Assets Valuation Analyst to deliver independent valuation and financial analysis across a portfolio of non-performing loans and distressed credit exposures, directly informing recovery and restructuring strategies at one of the world's leading global banks. In this role, you will work closely with credit transactors, risk managers, legal, and finance teams to assess collateral values, evaluate borrower viability, and recommend recovery outcomes that align with Citi's risk management framework. Your analysis will shape decisions on restructuring, refinancing, enforcement, and asset exit strategies across a complex and high-impact portfolio.

Responsibilities

• Assess the value of distressed assets, including corporate entities, commercial real estate, and loan collateral, to determine recovery prospects for non-performing exposures.
• Build and maintain financial models using discounted cash flow (DCF), liquidation, and market-based valuation methodologies to support credit decision-making.
• Conduct scenario analysis and stress testing to evaluate recovery outcomes under a range of restructuring and enforcement strategies.
• Evaluate borrower business plans, cash flow forecasts, and turnaround proposals to determine financial viability and repayment capacity.
• Analyse financial statements, management accounts, and sector trends to identify key valuation drivers and quantify risk exposure.
• Prepare valuation reports and recovery recommendations for credit committees, senior management, and regulatory audiences.
• Monitor distressed portfolio accounts to identify shifts in collateral values or borrower circumstances that may affect recovery outcomes.
• Collaborate with credit risk, legal, and finance teams to coordinate problem-credit management and support enforcement, asset disposal, and insolvency proceedings where required.

Required Qualifications & Skills

• Holds a Chartered Accountant (CA), MBA in Finance, Chartered Financial Analyst (CFA), or equivalent advanced professional qualification.
• Brings 3–5 years of experience in credit analysis, corporate restructuring, distressed debt, special assets, or corporate and investment banking.
• Applies corporate valuation methodologies with confidence, including DCF analysis and relative valuation (multiples) techniques, across a range of industrial sectors.
• Builds advanced financial models using Microsoft Excel and specialist financial analysis tools to support complex credit assessments.
• Communicates clearly and persuasively in both written and verbal formats, with the ability to influence senior internal and external stakeholders.
• Works with a high degree of autonomy and accountability while contributing effectively as part of a collaborative team.

Beneficial Skills & Qualifications

• Practical experience working with non-performing loans, distressed debt portfolios, or restructuring transactions strengthens your application.
• Exposure to insolvency proceedings or enforcement strategies in a banking or advisory context is advantageous.
• Familiarity with provisioning, impairment assessment, or regulatory credit review processes would be a valuable addition to the team.

What We Offer

• Hybrid working model with 3 days in the office and 2 days working remotely, giving you flexibility alongside meaningful in-person collaboration.
• Exposure to complex, high-value credit situations that build specialist expertise in distressed debt and corporate valuation.
• Direct engagement with senior stakeholders across credit risk, legal, finance, and governance functions, accelerating your professional impact.
• Access to learning and development opportunities that support career progression within Citi's global risk and credit platform.
• A performance-driven environment where your analytical work contributes directly to strategic outcomes and business results.
• Wellbeing and financial benefits designed to support you at every stage of your career.

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.

Job Family Group: Risk Management

Job Family: Remedial Management

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.