Retail Credit Risk Models Analyst

Retail Credit Risk Models Analyst

Job Req :

Location:

Chennai, Tamil Nadu, India

Job Type: Hybrid

Posted:
May. 07, 2026

Citi is seeking an experienced and motivated professional to join its Risk Management team as a Credit Review Senior Analyst. This role plays a critical part in evaluating and improving credit risk management practices. The successful candidate will contribute to the UAE Wealth CG/CPC Risk team in identifying, monitoring, and mitigating emerging credit risks and model management. This position requires strong analytical capabilities, independent judgment, and leadership experience in credit risk or related areas.

The role will provide analytical and project support to the Unsecured Credit Policy and Scoring team, help produce internal reporting, and contribute to key presentations and regulatory deliverables. The ideal candidate will have credit knowledge, experience in risk systems and metrics, managing complex credit risk reviews and business monitoring activities.

• Assess the effectiveness of Citi’s credit risk management practices and support identification and mitigation of credit risk across unsecured portfolios
• Analyze credit risks by utilizing reports, scorecards, risk systems, and expert judgment
• Evaluate moderately complex and variable credit issues with significant business impact
• Support the preparation of Credit Portfolio Scorecards and trend analysis reports
• Champion all Scoring Strategy analysis delivery and implementations. Perform score and non-score monitoring MIS and validations and conduct quarterly scoring reviews
• Engage with Model Risk Management and Model developers for model changes and ongoing performance assessment documentation and Annual Model Reviews. Manage the model change and model development documentation
• Prepare internal presentations for management and regulatory stakeholders

• 1-2 years of relevant experience in credit risk, financial analysis, or a related quantitative field
• Bachelor’s degree (or equivalent experience) in Finance, Accounting, Economics, Computer Science, or a related field
• Intermediate to advanced proficiency in Microsoft Office tools (Excel, PowerPoint, etc.)
• Strong English written and verbal communication skills
• Excellent time management, organizational, and analytical abilities
• Experience with SAS and other analytical programs (Python, R) is a plus

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, please visit Accessibility w Citi’s EEO Policy Statement and the Know Your Rights poster.