The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.
Responsibilities:
Prepare clear, structured presentations for senior analysts and managers, ensure strong documentation, audit readiness, and control discipline.
Participate in regular risk review forums as an analytical contributor.
Act as a trusted advisor to senior risk and business leaders.
Present insights and recommendations in clear, executive-ready narratives.
Lead discussions in risk governance forums.
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior,



conduct and business practices, and escalating, managing and reporting control issues with transparency.
Skills:
Advanced SQL; strong experience in SAS and/or Python.
Strong command of credit risk analytics: vintage, segmentation, forecasting.
Positive understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk, with demonstrated experience in reviewing these factors and challenging any discrepancies.
Expertise in translating analytics into business decisions.
Advanced PowerPoint storytelling and data visualization.
Deep understanding of credit card lifecycle and risk economics.
Ability to influence decisions through data and judgment, Strong strategic thinking and problem structuring.
Willingness to learn and take increasing ownership.
Ability to work collaboratively across teams.
Clear and concise written and

📌 Credit Risk Analytics (Gurugram)
🏢 Citi
📍 Gurugram