Consumer Cards Credit Portfolio Analyst II, Officer

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 2 - Hybrid based in Gurugram, 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.

• 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 will support credit card portfolio risk management through data‑driven analysis, performance monitoring, and risk insights. The role focuses on assisting senior analysts and managers in portfolio monitoring, acquisition risk analysis, credit policy evaluation, and model performance tracking, with increasing ownership over defined analytical modules.

• Track portfolio performance metrics including delinquency, roll rates, losses, and utilization.
• Perform trend, vintage, and cohort analysis to identify early risk signals.
• Support creation and maintenance of risk dashboards and MIS.

• Analyze performance of new account vintages by channel, product, and segment.
• Monitor early delinquency and first‑payment default trends.
• Support evaluation of acquisition strategies to balance growth and risk.
• Assist in evaluating approval rate vs loss trade‑offs.
• Participate in champion–challenger analysis for policy and strategy updates.
• Help document policy rationale and analytical findings.

• Monitor existing customer credit risk performance across ECM levers, including CLI, CLD, authorization controls, and line management etc.
• Perform segmentation, trend, and vintage analysis to identify changes in customer behavior and emerging risk signals.
• Support analytics for risk‑based ECM strategies to balance spend growth, customer experience, and credit losses.
• Track post‑implementation performance of ECM actions and highlight variances versus expectations.
• Quantify risk–return impact of ECM strategies, including effects on utilization, delinquency, losses, and attrition.
• Assist in diagnosing portfolio performance changes and segment‑level risk drivers.

• Prepare clear, structured presentations for senior analysts and managers.
• Support documentation for risk governance and audit requirements.
• Participate in regular risk review forums as an analytical contributor.
• Appropriately assess risk when business decisions are made, demonstrating 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,…