Consumer Cards Credit Portfolio Intermediate Analyst, Officer - GURUGRAM

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 Intermediate Analyst – 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 decisions and manage your financial well‑being to help plan for your future.

The Consumer Cards Credit Risk Intermediate Analyst is a senior 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.

• 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.

• 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.

• 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.”

• 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.

• 3‑8 years of experience in credit card risk analytics, consumer lending, or…