Credit Risk Analytics Intermediate Analyst

About

As a Credit Portfolio Intermediate Analyst at Citi, you will play a crucial role in owning portfolio risk strategy, influencing credit policy decisions, and driving risk-adjusted growth for the credit card business.

Responsibilities

Portfolio Monitoring & Strategic Insights

• Own end-to-end portfolio risk monitoring including delinquency, losses, payment behavior, and utilization.
• Lead analysis to identify risk trends and diagnose root causes of performance shifts.
• Define key risk indicators and ensure timely escalation of emerging risks.
• Support in creating risk dashboards and MIS.
• Assist in diagnosing portfolio performance changes and segment-level risk drivers.

Acquisition & New Account Risk Strategy

• Assess risk of acquisition strategies across channels and products.
• Evaluate early lifecycle risk and recommend corrective actions.
• Optimize risk-adjusted acquisition growth in partnership with Product and Marketing teams.
• Challenge business proposals using data-backed risk insights.

Existing Customer Management (ECM)

• Develop ECM strategy for defined portfolios or segments.
• Define risk-based customer segmentation frameworks.
• Lead design of ECM policies and control frameworks.
• Evaluate risk-return trade-offs for ECM initiatives.
• Collaborate with cross-functional teams to ensure effective ECM execution.
• Provide recommendations for ECM strategy decisions and governance forums.

Additional Responsibilities

• Prepare structured presentations for senior analysts and managers.
• Participate in risk review forums and act as a trusted advisor to senior leaders.
• Present insights and recommendations in clear, executive-ready narratives.
• Assess risk factors and drive compliance with applicable laws and regulations.
• Demonstrate strong analytical skills, communication abilities, and strategic thinking.

Requirements

Ideal Candidate Profile

• Advanced SQL skills; experience in SAS and/or Python.
• Strong command of credit risk analytics and risk factors.
• Ability to translate analytics into business decisions.
• Proficiency in data visualization and storytelling.
• Understanding of credit card lifecycle and risk economics.
• Strong problem-solving skills and willingness to learn.

Qualifications

• 4+ years of relevant experience in credit card risk analytics or financial analytics.

Education

• Bachelor's degree in Business, Statistics, Mathematics, Finance, Economics, or related quantitative fields.

Equal Opportunity Employer

Citi is an equal opportunity employer and values diversity in the workplace. If you require accommodations for the application process due to a disability, please review Accessibility at Citi.