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Citi

Credit Analyst

Job · Full-timeHybridMohali, Punjab1–4 years58K/mo3 openingsImmediate / as per notice period
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About this role

Citi has an opening for a Credit Analyst in Mohali. If you enjoy digging into messy data, writing SQL that answers a real question and explaining the answer in plain language, this full-time credit analytics role will suit you. About the role The Credit Analyst at Citi is the bridge between the…

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Skills you'll use

Advanced ExcelSQLCredit Risk FundamentalsFinancial Statement AnalysisBureau Data AnalysisPortfolio MonitoringPower BIStatisticsUnderwriting PolicyReport WritingAttention to DetailCommunication

What you'll do

  • Analyse applicant financials and bureau data for credit decisions
  • Monitor portfolio delinquency, roll rates and vintage performance
  • Prepare credit MIS and early-warning reports
  • Support policy changes with data-backed recommendations
  • Maintain documentation for audit and regulatory review
  • Validate and reconcile numbers before publishing, and document data caveats
  • Automate recurring reporting to free up time for real analysis
  • Present findings clearly to non-technical stakeholders

Who can apply

  • B.Com/M.Com/BBA/MBA (Finance)/CA Inter/B.E./B.Tech or an equivalent degree from a recognised university
  • 1–4 years of experience in analytics, reporting or MIS — relevant hands-on experience required
  • Working knowledge of Advanced Excel, SQL, Credit Risk Fundamentals
  • Comfort with Excel, SQL and credit bureau data and with cleaning messy, real-world data
  • Ability to define a metric precisely and explain a result to a non-technical stakeholder
  • Attention to detail, ownership and the discipline to document your work
  • Based in Mohali, Punjab or willing to relocate

Perks & benefits

Employee wellness programmesTeam offsites and networking opportunitiesCompetitive salary as per market benchmarksAnnual performance bonus / variable payHealth insurance for you and your dependantsProvident Fund and statutory benefitsStructured onboarding and mentorshipLearning & certification support (SQL, Power BI, Tableau, cloud)

Interview & selection process

4 rounds — typical selection flow for this role:

  1. 1Resume screening and profile shortlisting by the talent acquisition team
  2. 2Business / stakeholder round — how you scope a question and communicate findings
  3. 3Hiring manager discussion — role expectations, ownership and team fit
  4. 4HR discussion — compensation, notice period, joining date and offer roll-out

About Citi

Citi is a leading global bank serving consumers, corporations and institutions across more than 90 countries. Its India solution centres in Pune, Chennai and Mumbai power technology and analytics. Industry and what the company does Citi works in financial services, serving its customers and…
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