Senior Wholesale Credit Risk Researcher, SVP (Hybrid)

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

Benefits offered by this job

Hybrid work model

Direct exposure to senior leadership

Influence on risk governance

Global risk professionals network

Performance-driven environment

Wellbeing support

Job summary

Citi in Mumbai seeks a Senior Wholesale Credit Risk Researcher to lead high-impact credit risk analysis across the wholesale portfolio and inform risk decisions at the senior level. You will develop measurement methodologies, identify risk concentrations, and present findings to risk and business leadership, shaping governance and risk framework improvements.

This senior IC role offers exposure to Citi's global risk community, a hybrid work model, and opportunities to influence risk governance

Qualifications

• Deep expertise in wholesale credit risk research, analysis, or related discipline in financial services.

Responsibilities

• Conduct in-depth credit risk research across wholesale portfolio to inform senior leadership decisions.
• Develop and enhance risk measurement methodologies to keep approaches current with market conditions.
• Analyze portfolios to identify emerging risk concentrations, trends and vulnerabilities with clear mitigation recommendations.
• Monitor risk trends across wholesale counterparties and sectors for up-to-date exposure views.
• Produce high-quality risk assessment reports communicating findings clearly to senior stakeholders.
• Engage with senior risk and business leaders to discuss implications and inform strategic risk decisions.
• Contribute to development and refinement of credit risk governance frameworks.

Skills

Wholesale credit risk

Quantitative analysis

Qualitative analysis

Executive communication

Governance familiarity

Multi-stream management

Job description

Citi is seeking a Senior Wholesale Credit Risk Researcher to lead high-impact credit risk analysis and research across the wholesale banking portfolio, informing decisions that directly influence how the firm identifies, measures, and manages credit exposure. This is a senior individual contributor role where your research shapes risk frameworks, informs senior leadership, and contributes to the governance structures that underpin Citi's wholesale lending activities. If you bring deep expertise in wholesale credit risk and a track record of translating complex analysis into clear, actionable insight, this role offers the scope and visibility to make a genuine difference.

Responsibilities

• Conduct in-depth credit risk research across the wholesale banking portfolio, producing assessments that enable senior leadership to make well-informed risk decisions.
• Develop and enhance risk measurement methodologies to ensure Citi's approach to wholesale credit risk remains rigorous, current, and aligned with evolving market conditions.
• Analyze credit portfolios to identify emerging risk concentrations, trends, and vulnerabilities, translating findings into clear recommendations for risk mitigation.
• Monitor credit risk trends across wholesale counterparties and sectors, ensuring the firm maintains an accurate and up-to-date view of its credit exposures.
• Produce high-quality risk assessment reports and research outputs that communicate complex findings in a clear, structured format for senior stakeholders.
• Engage directly with senior business and risk leaders to present research conclusions, discuss implications, and inform strategic risk decisions.
• Contribute to the development and ongoing refinement of credit risk governance frameworks, ensuring research outputs are embedded into risk oversight processes.

Required Qualifications & Skills

• Deep expertise in wholesale credit risk research, analysis, or a closely related discipline gained within a financial services environment.
• Demonstrated ability to develop and enhance credit risk measurement methodologies, with a solid grounding in quantitative and qualitative analytical techniques.
• Strong analytical capability, with the ability to interpret complex credit data, identify material risk themes, and draw well-reasoned conclusions.
• Clear and confident communicator, able to present nuanced credit risk findings in writing and in person to senior and executive-level audiences.
• Familiarity with wholesale credit risk governance frameworks and the regulatory environment governing credit risk management in banking.
• Ability to manage multiple research workstreams simultaneously, delivering high-quality outputs within defined timelines without compromising rigour

What We Offer

At Citi, senior researchers in wholesale credit risk work at the heart of one of the world's most significant financial institutions, with direct access to complex, high-stakes subject matter and the leadership teams who act on it. This is an environment that rewards analytical rigour, rewards ownership, and offers genuine scope to shape how credit risk is understood and managed at scale.

• A hybrid working model with 3 days in the office and 2 days working remotely, providing structure alongside meaningful flexibility.
• Direct exposure to senior risk and business leadership, with your research informing decisions at the highest levels of the firm.
• The opportunity to influence credit risk governance frameworks that have real consequences for Citi's wholesale portfolio and strategic direction.
• Access to Citi's global network of risk professionals, supporting ongoing learning and long-term career development in wholesale credit.
• A performance-driven environment that recognizes intellectual contribution, accountability, and delivery of high-quality analytical work.
• Comprehensive wellbeing support and a genuine commitment to work-life balance at all levels of the organization.

Join Citi as a Senior Wholesale Credit Risk Researcher and apply your expertise where it matters most — shaping the credit risk intelligence that guides one of the world's leading financial institutions.

Job Family Group:

Risk Management

Job Family:

Model Validation

Time Type:

Full time

Most Relevant Skills

Analytical Thinking, Credible Challenge, Data 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.