Job Type: Full-time

The Credit Maintenance Intermediate Analyst is an intermediate level position responsible for capturing and recording data on credit exposures, obligors and facilities in relevant credit systems in coordination with the Operations - Services team. The overall objective of this role is to coordinate and maintain data quality in credit systems, monitor and report credit exposure, escalate deficiencies and recommend delinquent strategies in alignment with overall credit policies.Responsibilities:Maintain data of relations and facilities in credit system, and enter data accurately in various auxiliary credit systemsConsult with Relationship Manager (RM) to formalize requests for credit facilities or raise other problems to the appropriate organizations for their attentionDetect revealed trends in the process of limited control to assess the needs of the line of credit, operations, or system problemsMaintain accurate controls and insurance records ensuring timely follow-ups and renewals of insurance required for equipment and team’s responsibilityPrioritize and process the review of incoming credit applications to verify their accuracy and integrity, interpret them so that they are concise, exact, integral, in compliance with the policy, and register them in the database accurately and in a timely mannerMonitor limits versus exposure at the end of the day and scale exceptions detected by the policyAid key portfolios and apply professional decisions when interpreting information and resultsAppropriately 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.Independently exercise judgement and decision-making in managing day-to-day responsibilities,



including evaluating complex situations, resolving issues, and determining appropriate courses of action. Drive and influence delivery of work within area of responsibility, contributing to operational priorities and ensuring progress against timelines. Will be accountable for delivery outcomes, including quality and timelines, and may have a measurable impact on business results within scope. In addition, will provide oversight on execution by reviewing outputs, guiding approach where required, and addressing gaps to ensure delivery meets expected standards. Take ownership of decisions and deliverables within remit, applying analytical thinking and professional expertise to solve problems and ensure effective outcomes. Support execution of business decisions within the function by translating direction into actionable steps and ensuring effective follow‑through. Address non‑routine situations and practical challenges by applying judgement to identify solutions or take decisions within scope. Will support effective functioning of the business area by ensuring processes are implemented consistently and outputs meet expected standards. Operate across varied and evolving situations, exercising discretion to respond to changing requirements and priorities, while ensuring reliability, timeliness, and quality in execution within defined scope. Applies domain expertise and advanced analytical capability to deliver outputs aligned with established standards and professional benchmarks. Evaluate business requirements by analyzing complex issues, forming well‑reasoned views, and recommending practical, implementable solutions.



Apply structured thinking, analytical rigor, and creativity in approaching work, particularly in situations where standard methodologies may require refinement. Exercise sound professional judgement in interpreting requirements and determining appropriate courses of action, taking into account the broader business context and potential implications.Qualifications:2-5 years of relevant experienceExperience in business preferredWorking knowledge of industry standards and practicesWorking knowledge of data analysis tools and methodologiesDemonstrated analytical skillsConsistently demonstrates clear and concise written and verbal communication.Education:Bachelor’s degree/University degree or equivalent experienceThis job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.------------------------------------------------------Job Family Group: Operations - Services------------------------------------------------------Job Family:Credit Maintenance------------------------------------------------------Time Type:Full time------------------------------------------------------Most Relevant Skills Please see the requirements listed above.------------------------------------------------------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.View Citi’s EEO Policy Statement and the Know Your Rights poster.

📌 Credit Maint Intmd AnalystMUMBAI (India)
🏢 12542 Citicorp Services India Private
📍 India