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)

📌 Senior Credit Risk Analyst, AVP (Mumbai)
🏢 Citi
📍 Mumbai