Nigar Karimova
New York,NY
Summary
Credit Risk and Enterprise Risk professional with experience in banking, specializing in credit risk analytics, portfolio monitoring, risk reporting, and risk technology. Experienced in developing risk analytics solutions, automating reporting processes using SQL and Python, and supporting risk management decision-making across global financial institutions. Proven ability to partner with risk, quantitative, technology, and business stakeholders to enhance portfolio monitoring, strengthen risk governance, and improve operational efficiency.
Overview
8
8
years of professional experience
Work History
Enterprise Risk and Risk Technology Support (Assis
Citibank
New York, New York
09.2025 - Current
- Supported risk and trading platforms for Fixed Income Rates businesses including repo and interest rate swaps, enhancing accuracy of portfolio monitoring and risk reporting.
- Partnered with traders, quantitative analysts, risk managers, and technology teams to investigate pricing, market data, and trade lifecycle issues impacting portfolio exposures and trading activity.
- Led root-cause analysis and remediation efforts for risk and pricing platform incidents, improving system stability and reducing operational risk.
- Coordinated governance activities, production enhancements, and platform releases for risk and trading applications, resulting in more reliable reporting and greater operational efficiency.
- Developed reporting workflows and controls that improved transparency and consistency of risk data for business and risk stakeholders.
Credit Risk Analytics & Tool Development
Citibank
New York, New York
08.2024 - 08.2025
- Designed and implemented credit risk analytics tools supporting portfolio monitoring, obligor assessment, and management reporting across banking portfolios.
- Developed SQL- and Python-based workflows that automated risk reporting processes, reducing manual effort and improving timeliness of portfolio analysis.
- Built enterprise dashboards tracking risk rating migration, exposure concentrations, and portfolio performance trends, enhancing visibility into emerging credit risks.
- Analyzed obligor performance and portfolio risk metrics to inform credit decision-making and enhance risk governance.
- Facilitated user acceptance testing and stakeholder validation to ensure accuracy and reliability of risk analytics outputs.
Banking and International Credit Risk Wholesale An
Citibank
New York, New York
02.2023 - 08.2024
- Conducted credit analysis of wholesale banking clients by assessing financial statements, repayment capacity, industry conditions, and macroeconomic factors to inform risk management decisions.
- Built portfolio monitoring dashboards tracking rating migration, concentration risk, and performance trends across global banking relationships.
- Conducted industry and macroeconomic reviews for Risk Decision Reviews (RDRs), evaluating emerging risks and potential impacts on portfolio credit quality.
- Facilitated portfolio oversight through comprehensive risk reporting, trend analysis, and quantitative assessments of obligor financial performance to enhance portfolio monitoring.
- Collaborated with risk stakeholders to identify deterioration indicators and enhance visibility into portfolio credit exposures, strengthening risk mitigation strategies.
Business Analyst
Marsh & McLennan
Boston, Massachusetts
01.2020 - 07.2021
- Led planning and execution of a CRM migration involving more than 10,000 client records, improving data quality and operational efficiency through structured migration processes.
- Automated data migration and validation workflows using Python, reducing manual effort and increasing accuracy of client data transfers.
- Collaborated with developers and business stakeholders to implement Salesforce enhancements, increasing workflow efficiency and user adoption.
- Conducted financial and cost-benefit analyses, identifying opportunities that enhanced client profitability by approximately 10%.
- Supported business development initiatives through RFP analysis, vendor evaluations, and client presentations, contributing to informed decision-making.
Revenue Operations
Wellington Management
Boston, Massachusetts
06.2018 - 12.2018
- Conducted variance analysis on revenue discrepancies, enhancing reporting accuracy and minimizing operational risk.
- Partnered with operations, treasury, and reporting teams to enhance financial reporting processes and data consistency.
- Created controls and validation checks to enhance reliability of revenue metrics for management reporting.
- Ensured financial data integrity across investment products through reconciliation and controls over high-volume transaction activity, supporting accurate financial reporting.
Education
Master of Science - Risk Management
Columbia University
New York, NY12-2022
Bachelor of Science - Business Administration
Northeastern University
Boston, MA12-2020
Skills
- Credit and enterprise risk management
- Risk management principles
- Risk analytics and reporting
- Counterparty risk assessment
- Portfolio monitoring and analysis
- Exposure and concentration analysis
- Risk rating migration
- Financial statement evaluation
- Investment risk analysis
- Derivative risk assessment
- Governance and appetite monitoring
- Early warning indicators development
- Risk mitigation strategies
- Regulatory compliance
- Dashboard creation and reporting
- Languages: Turkish, Russian, Azeri, French
- Technical skills: SQL, Python, Tableau, Bloomberg, ServiceNow, JIRA, VBA, Salesforce, R
Selected Projects
Risk Rating Migration Dashboard
- Designed and deployed an enterprise-wide Tableau dashboard monitoring credit rating transitions, portfolio migration trends, and concentration risk across banking portfolios.
- Automated reporting and drill-down functionality using SQL and Tableau, significantly improving efficiency of credit risk reviews and enhancing visibility into emerging deterioration trends.
- Recognized as an innovative contribution to credit risk analytics and included as supporting evidence in a successful EB1-A Extraordinary Ability petition.
- Developed an automated framework utilizing ten key financial ratios to evaluate obligor repayment capacity and identify borrowers exceeding established risk thresholds.
- Improved portfolio surveillance through SQL- and Python-based automation, enabling faster identification of emerging credit concerns.
- Integrated Expected Default Frequency (EDF) metrics into portfolio monitoring processes to support early warning identification and credit deterioration analysis.
Timeline
Enterprise Risk and Risk Technology Support (Assis
Citibank
09.2025 - Current
Credit Risk Analytics & Tool Development
Citibank
08.2024 - 08.2025
Banking and International Credit Risk Wholesale An
Citibank
02.2023 - 08.2024
Business Analyst
Marsh & McLennan
01.2020 - 07.2021
Revenue Operations
Wellington Management
06.2018 - 12.2018
Master of Science - Risk Management
Columbia University
Bachelor of Science - Business Administration
Northeastern University