Credit Risk Researcher, Vice President

Overview

Conduct in-depth credit risk research across Citi's wholesale and retail portfolios, producing analysis that informs senior leadership's credit risk decisions and governance frameworks.

What you'll do

• Conduct in-depth credit risk research across wholesale and retail portfolios, producing assessments that equip senior leadership with well-informed risk decisions.
• Develop and refine credit risk measurement methodologies, keeping Citi's approach rigorous and aligned with evolving market conditions.
• Analyze credit portfolios to identify emerging risk concentrations, trends, and vulnerabilities, translating findings into clear risk mitigation recommendations.
• Monitor counterparty and sector-level credit risk trends to maintain an accurate, current view of Citi's credit exposures.
• Produce high-quality risk assessment reports and research outputs that communicate complex findings clearly to senior stakeholders.
• Present research conclusions to senior business and risk leaders, informing strategic credit risk decisions.
• Contribute to the development and refinement of credit risk governance frameworks, embedding research outputs into risk oversight processes.

What you'll need

• Bachelor's degree in economics, finance, statistics, or a related quantitative field.
• 8+ years of experience in financial services and analytics, with deep expertise in wholesale or retail credit risk research or a closely related discipline.
• Strong quantitative and qualitative analytical skills to develop and enhance credit risk measurement methodologies.
• Ability to interpret complex credit data to identify material risk themes and draw well-reasoned conclusions.
• Ability to communicate nuanced credit risk findings clearly and confidently to senior and executive-level audiences, in writing and in person.
• Familiarity with credit risk governance frameworks and the regulatory environment governing credit risk management in banking.
• Ability to manage multiple research workstreams simultaneously, delivering rigorous, high-quality outputs within defined timelines.

Nice to have

• Advanced degree, such as a Master's, in economics, finance, statistics, or a related quantitative field.

Details

• Location: Mumbai, Maharashtra, India.
• Hybrid model: 3 days in the office and 2 days working remotely.
• Full-time employment.