Senior Risk Regulatory Reporting Analyst, AVP (Hybrid)

Citibank (Switzerland) AG; Mumbai; Hybrid; Confidential; Full time

Benefits offered by this job

Hybrid work schedule

Learning and development resources

Wellbeing and financial benefits

Job summary

Citi is seeking an experienced Senior Risk Regulatory Reporting Analyst to own end-to-end regulatory reporting for RBI requirements in India. Based in Citi's Risk Data Analytics, Reporting and Technology function, you will ensure accuracy and timeliness of credit risk data submissions.

You will work with senior leadership, business teams, and oversight functions, oversee data submissions to credit bureaus, handle audits, and support regulatory inspections. Hybrid work: 3 days in office, 2 remote.

Qualifications

• 10 or more years of experience in financial services with direct exposure to risk regulatory reporting in India.
• Ability to manage regulatory reporting obligations independently in a high-volume environment.
• Proficiency in Microsoft Office (Excel, Word, PowerPoint) with VBA for automation.
• Clear and confident communication of data quality findings to senior stakeholders.
• Experience managing multiple regulatory deliverables without compromising accuracy or deadlines.

Responsibilities

• Manage preparation and submission of credit risk regulatory reports to RBI with accuracy and timeliness.
• Oversee submission of credit data to four credit bureaus and monitor quality metrics.
• Conduct root cause analysis on data rejections and present improvement plans to senior management.
• Coordinate fortnightly resubmission of rejected records across bureaus within regulatory timelines.
• Monitor and resolve complaints from credit bureaus and customers, engaging with the ombudsman.
• Issue regulatory default notifications following each fortnightly reporting cycle.
• Partner with business, risk, and tech teams to support compliance frameworks and audits.
• Provide business input to risk data platforms to improve reporting efficiency and meet ad hoc requests.

Skills

Analytical Thinking

Credible Challenge

Governance

Management Reporting

Policy

Procedure

Regulation

Risk Management Lifecycle

Job description

This is an opportunity for an experienced Senior Risk Regulatory Reporting Analyst to play a pivotal role in ensuring Citi's compliance with Indian regulatory requirements, directly shaping the quality and integrity of credit risk data submitted to the Reserve Bank of India. Based within Citi's Risk Data Analytics, Reporting and Technology function, you will own end-to-end regulatory reporting processes across credit bureaus, working closely with senior leadership, business teams, and oversight functions to deliver accurate, timely, and audit-ready submissions. Your work will directly influence Citi's regulatory standing in India and the reliability of data used for portfolio monitoring and strategic decision-making.

Responsibilities

• Manage the preparation and submission of credit risk regulatory reports to the Reserve Bank of India, ensuring all returns meet accuracy and timeliness requirements.
• Oversee the submission of credit data to four credit bureaus, monitoring data quality metrics and taking corrective action where rejection rates or quality index scores require improvement.
• Conduct root cause analysis on data rejected by credit bureaus and present findings and improvement plans to senior management to drive measurable gains in reporting quality.
• Coordinate fortnightly resubmission of rejected credit records across all bureaus, ensuring each cycle is completed within prescribed regulatory timelines.
• Monitor and resolve customer complaints and disputes received from credit bureaus and directly from customers, liaising with the internal ombudsman function and meeting regulatory resolution deadlines.
• Issue regulatory default notifications to affected customers following each fortnightly reporting cycle, in accordance with compliance obligations.
• Partner with business, risk, and technology teams to support the implementation of compliance frameworks and respond to audit, governance review, and regulatory inspection requirements.
• Provide business analysis input to risk data platforms and tools, contributing to solutions that improve reporting efficiency and meet ad hoc regulatory requests.

Required Qualifications & Skills

• 10 or more years of experience in financial services, with direct exposure to risk regulatory reporting in the Indian banking context.
• Demonstrated ability to manage regulatory reporting obligations independently in a high-volume environment where priorities shift frequently.
• Proficiency in Microsoft Office tools including Excel, Word, and PowerPoint, with practical use of VBA for reporting automation or process efficiency.
• Clear and confident communicator at all levels, with the ability to present complex data quality findings and compliance updates to senior stakeholders.
• Track record of managing multiple concurrent regulatory deliverables without compromising accuracy or deadline adherence.

Beneficial Skills & Qualifications

• Hands-on experience with Credit Information Companies reporting, including bureau submission processes and data quality frameworks.
• Familiarity with programming concepts, automation tools, or risk data systems that support regulatory reporting workflows.
• Exposure to RBI onsite inspections, internal audit reviews, or credit risk governance frameworks within a banking environment.

What We Offer

At Citi, you will work within a high-performing regulatory reporting function that operates at the intersection of risk, technology, and compliance, giving you direct influence over decisions that matter at a franchise level. This is a role where your expertise shapes outcomes, and your contributions are visible to senior leadership across the business. A hybrid working arrangement with 3 days in the office and 2 days working remotely, giving you flexibility alongside meaningful in-person collaboration. Direct exposure to senior risk, finance, and business leadership, positioning you to build influence and advance your career within a global financial institution. Access to learning and development resources that support your continued growth in risk reporting, regulatory compliance, and financial services. A performance-driven environment where your analytical contribution to regulatory quality and compliance has a measurable impact on Citi's standing with regulators. Wellbeing and financial benefits aligned to your location, as part of Citi's broader commitment to supporting its people. The opportunity to work on cross‑functional initiatives spanning risk, technology, and audit, broadening your professional experience across the firm.

Job Family Group: Risk Management

Job Family: Risk Reporting and Exposure Monitoring

Time Type: Full time

Most Relevant Skills: Analytical Thinking, Credible Challenge, Governance, Management Reporting, 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.