This is an opportunity to join Citi's independent Credit Risk Review team - a function that delivers direct assurance to the Board of Directors, senior risk leadership, and global regulators on the effectiveness of credit risk management across the firm's global portfolio. As a Senior Credit Risk Analyst, you will conduct rigorous credit analysis, monitor portfolio risk trends, and apply data analytics and AI-enabled tools to surface emerging risks before they materialise. You will work closely with Lead Reviewers on high-impact credit reviews, gaining broad exposure across corporate and financial institution portfolios at one of the world's largest global banks. **Responsibilities** + Assess the accuracy and integrity of credit analyses, exposure calculations, risk rating methodologies, and asset classifications across monitored portfolios to ensure alignment with institutional standards. + Partner with Lead Reviewers to produce comprehensive Credit Assessment Documents, integrating quantitative data analytics to substantiate portfolio conclusions or flag thematic risk concentrations. + Analyse financial statements and review underwriting processes, approved credit memos, and covenant compliance to track credit quality across the full lifecycle from origination through to workout and remediation. + Apply AI and machine learning tools to streamline data extraction, identify risk patterns across diverse portfolios, and proactively surface emerging credit risk indicators. + Translate qualitative risk observations into data-backed evidence, enabling Lead Reviewers to draw clear and defensible conclusions on portfolio health. + Synthesise complex analytical findings into clear, concise presentations for senior risk management and internal governance committees. + Contribute to regulatory examination materials and reporting deliverables, ensuring outputs meet the standards expected by global regulators and internal oversight bodies. **Required qualifications & skills** + A minimum of 3-6 years of credit analysis or credit risk management experience within a global financial institution or banking workplace, with candidates holding 3 or more years of experience equally welcomed. + Formal credit training or a thorough understanding of financial accounting standards and credit analysis methodologies.



+ Demonstrated ability to analyse financial statements and evaluate the creditworthiness of corporate or institutional borrowers. + High proficiency in Microsoft Office, particularly Excel, PowerPoint, and Word, with a strong aptitude for AI-enabled productivity and data analytics tools. + Exceptional organisational and time-management skills, with the ability to manage multiple concurrent deliverables and maintain meticulous attention to detail. + Clear and effective written and verbal communication skills, with the ability to present complex credit risk concepts to varied levels of management. + A bachelor's degree in Economics, Finance, Accounting, or a related quantitative discipline. **Beneficial skills & qualifications** + Prior experience specifically assessing the creditworthiness and financial strength of corporates and financial institutions. + Working knowledge of Python applied to data extraction, analysis, or automation in a financial or risk context. + An advanced degree such as an MBA or MS in Finance, or a professional qualification such as CFA, FRM, or CPA. **What we offer** Joining Citi's Credit Risk Review team means working at the centre of independent risk oversight for one of the world's most influential financial institutions. You will gain hands-on exposure to complex credit portfolios spanning corporates and financial institutions globally, develop your analytical capabilities through the application of AI and data-driven tools, and build a career with real influence on credit risk governance at the highest levels of the firm. + A hybrid working arrangement with 3 days in the office and 2 days working remotely, giving you structure and flexibility in equal measure. + Direct exposure to senior risk leadership, board-level reporting, and regulatory engagement - experience that accelerates career development in credit risk and independent review functions.



+ The opportunity to work with emerging AI and machine learning tools applied to real credit risk challenges, broadening your technical skillset in a regulated environment. + Access to Citi's global learning and professional development programmes, supporting continuous growth in credit analysis, risk management, and data analytics. + A collaborative, performance-driven environment where your analytical contributions directly inform risk decisions at a global scale. + Comprehensive wellbeing and financial benefits in line with Citi's employee support programmes. Apply now to bring your credit risk expertise to a team that shapes how one of the world's leading banks identifies, monitors, and mitigates risk at a global scale. #LI-VR2 ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Credit Review Risk 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. ------------------------------------------------------ _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 (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)_ _._ _View Citi's_ _EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy)_ _and the_ _Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf)_ _poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

📌 Senior Credit Analyst, AVP (Hybrid) (Mumbai)
🏢 Citigroup
📍 Mumbai