Senior Wholesale Credit Risk Analyst

Wholesale Credit Risk Analyst - Officer

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Job Req :

Location(s):

Mumbai, Maharashtra, India

Job Type:

On-Site/Resident

Posted:

Feb. 18, 2026

Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning.

You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.

The Underwriter analystsare responsible for a portfolio of Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio

That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio & Industry Reviews and Stress Testing. This role has responsibility for the portfolio of Large Corporates and the role reports directly to the Institutional Credit Management Underwriter Manager.

In this role, you’re expected to:

• Assess the credit and financial strength of Citi’s most complex Large Corporate Clients by performing fundamental credit analysis of counter parties using both quantitative and qualitative factors

• Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Counter parties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite

• Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to various partners

• Reviewing and providing recommendation on the risk raking across this sector

• Partnership with applicable regional and industry stakeholders in the implementation of credit assessment and monitoring standards for applicable portfolios

• Support Voice of the Employee (VOE) initiatives

• Travel (less than 10%)

As a successful candidate, you’d ideally have the following skills and exposure:

• 1-3 years relevant experience

• Fundamental analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues

• Demonstrates basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation

• Displays basic industry research capabilities, including risk and key drivers

• Basic understanding of Credit Policy and procedures; proactively refers to resources as needed

• Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly

• Assists colleagues in identifying stretch opportunities to elevate individual and team performance

• Proven culture carrier

• Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority

• Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively

• Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority

• Microsoft Office (Word, Excel, and PowerPoint) skills

Education
:

• BA/BSc or higher degree in Business (MBA), or any other related subject

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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