Consumer Cards Credit Portfolio Analyst, Officer

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Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

At Citi, we get to connect millions of people across hundreds of cities and countries every day. And we've been doing it for more than 200 years. We do this through our unparalleled global network. We provide a broad range of financial services and products to our clients – whether they be consumers, corporations, governments or institutions – to help them meet their biggest opportunities and face the world's toughest challenges.

We’re currently looking for a high caliber professional to join our team as Officer, Credit Portfolio Analyst II, Hybrid based in Bangalore, India. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future. For instance:

· Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country.

· We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world.

· We empower our employees to manage their financial well-being and help them plan for the future.

· Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.

· We have a variety of programs that help employees balance their work and life, including generous paid time off packages.

· We offer our employees resources and tools to volunteer in the communities in which they live and work. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world.

The Credit Portfolio Analyst 2 is an individual contributor and emerging risk leader responsible for owning portfolio risk strategy, influencing credit policy decisions, and driving risk-adjusted growth for the credit card business. The role combines deep analytics, strategic thinking, and stakeholder influence, acting as a key partner to senior risk and business leadership.

In this role, you are expected to:

Portfolio Monitoring & Strategic Insights

• Own end-to-end portfolio risk monitoring across delinquency, losses, payment behavior, and utilization.
• Lead vintage, cohort, and segmentation analysis to identify structural vs cyclical risk trends.
• Diagnose root causes of performance shifts and quantify P&L and capital impact.
• Define key risk indicators and ensure timely escalation of emerging risks.
• Support creation and maintenance of risk dashboards and MIS.
• Assist in diagnosing portfolio performance changes and segment-level risk drivers.

Acquisition & New Account Risk Strategy

• Own risk assessment of acquisition strategies across channels and products.
• Evaluate early lifecycle risk (FPD, early delinquency) and recommend corrective actions.
• Partner with Product and Marketing to optimize risk-adjusted acquisition growth.
• Challenge business proposals using data-backed risk insights.

Existing Customer Management (ECM) Responsibilities:

• Own end-to-end ECM strategy across CLI, CLD, authorization rules, and line management for defined portfolios or segments.
• Define risk-based customer segmentation frameworks using behavioral, transactional, and bureau data.
• Lead design and refinement of ECM policies and control frameworks to align with risk appetite and customer fairness standards.
• Evaluate and approve risk–return trade-offs for ECM initiatives, balancing loss mitigation, spend growth, and customer experience.
• Partner with Fraud, Collections, Product, and Marketing leaders to ensure consistent and effective ECM execution.
• Lead post-implementation performance reviews, identify root causes of deviations, and drive corrective actions.
• Provide clear, executive-ready recommendations for ECM strategy decisions and governance forums.
• Ensure strong controls, documentation, and audit readiness for all ECM-related strategies.

Expectation:  Move from “what is happening” to “what should we do and why.”

Stakeholder Communication & Governance

• 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.

As a successful candidate, you’d ideally have the following skills and exposure:

Experience & Education

• 1.5 to 4 years of experience in credit card risk analytics, consumer lending, or financial analytics.
• Master’s degree in business, Statistics, Mathematics, Finance, Economics, or related quantitative fields.

Technical Skills

• Advanced SQL; strong experience in SAS and/or Python.
• Strong command of credit risk analytics: vintage, segmentation, forecasting.
• Expertise in translating analytics into business decisions.
• Advanced PowerPoint storytelling and data visualization.

Analytical & Business Skills

• Deep understanding of credit card lifecycle and risk economics.
• Ability to influence decisions through data and judgment.
• Strong strategic thinking and problem structuring.
• Structured thinking and attention to detail.
• Comfort engaging with senior leadership.

Soft Skills

• Willingness to learn and take increasing ownership.
• Ability to work collaboratively across teams.
• Clear and concise written and verbal communication.

General Skills:

• Good 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.

• Crete value and contributes to the success of the team.
• Ability to work with little or no direction and in a team.
• Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment.

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Working at Citi is far more than just a job. A career with us means joining a family of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Take the next step in your career, apply for this role at Citi today

Citi Careers | Find Your Next Opportunity

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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