Consumer Cards Credit Portfolio Analyst – Officer
Citi
full-time
Posted on:
Location Type: Hybrid
Location: Bangalore • India
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Job Level
About the role
- 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.
- 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.
- 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.
Requirements
- 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.
- 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.
Benefits
- Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more.
- We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families.
- 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.
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
SQLSASPythoncredit risk analyticsvintage analysissegmentation analysisforecastingdata visualizationrisk assessmentrisk monitoring
Soft skills
leadershipcommunicationanalytical thinkingproblem-solvingcollaborationstorytellingdecision-makingorganizational skillsquantitative analysiscustomer fairness