{"id":1195514,"url":"https://alion.io/job/citi-credit-risk-analyst-3","title":"Credit Risk Analyst","company":{"id":7841,"name":"Citi","domain":"citi.com","url":"https://alion.io/company/citi","size_band":"5000+","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workday","truth_index":{"grade":"A","score":100,"open_postings":256,"ghost_share":0,"stale_share":0,"repost_share":0.078,"time_to_fill_p50_days":11,"computed_at":"2026-09-25T05:45:01Z"}},"role":"Finance","role_family":"Finance","seniority":"junior","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Gurgaon, India"],"countries":["IN"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":10500,"max_usd":26000,"period":"year","method":"global_role_cell_scaled_by_country","sample_n":1058},"experience_years_min":2,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"closed","first_seen_at":"2026-09-24T18:36:23Z","employer_posted_date":"2026-09-24","last_verified_at":"2026-09-25T18:18:21Z","board_verified":false,"closed_at":"2026-09-25T18:18:21Z","days_open":0,"trust":{"level":"not_scored","repost_count":null,"flags":[],"days_open":0},"description":"The Credit Risk Intmd Analyst is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.\nResponsibilities:\nProvides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager for further discussion and consideration.\nManages the risk associated with new and existing borrowing relationships through the following:\nPerforms spreads of client business financial statements\nCreates Customer Accounting Systems’ through Credit Platform\nRecognizes potential client risk through early warning systems\nPerforms periodic financial statement review\nTracks established financial covenants\nMonitors compliance to borrowing base credit facility\nAccompanies Underwriting Manager on customer site visits (when appropriate)\nCompliance with Citibank policies to ensure satisfactory ratings from internal and external auditors.\nAppropriately 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.\nQualifications:\n2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.\nAnalyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis\nEducation:\nBachelor’s/University degree or equivalent experience\nThis job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.\n------------------------------------------------------\nJob Family Group:\nRisk Management------------------------------------------------------\nJob Family:\nCredit Risk------------------------------------------------------\nTime Type:\nFull time------------------------------------------------------\nMost Relevant Skills\nAnalytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.------------------------------------------------------\nOther Relevant Skills\nFor complementary skills, please see above and/or contact the recruiter.------------------------------------------------------\nCiti 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.\nIf you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.\nView Citi’s EEO Policy Statement and the Know Your Rights poster.","description_format":"text","description_chars":3963,"description_truncated":false,"requirements":{"experience_years_min":2,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[{"name":"India","iso":"IN","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Wealth Management & Financial Advisors","Business & SME Lending","Payment Processing & Gateways","Stock Exchanges & Market Infrastructure"],"lifecycle":[{"event":"open","at":"2026-09-24T18:36:23Z"},{"event":"close","at":"2026-09-25T18:18:21Z"}],"liveness":null,"pay":null,"html_url":"https://alion.io/job/citi-credit-risk-analyst-3","json_url":"https://alion.io/job/citi-credit-risk-analyst-3.json","meta":{"generated_at":"2026-09-26T01:34:00Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","usage":{"tier":"crawler","counted_by":"address","units_charged":1,"used_today":1540,"day_limit":5000,"remaining_today":3460,"minute_limit":60,"resets_at":"2026-09-27T00:00:00Z"}}}