Equity Research Senior Associate, Consumer Credit Sector

Citi's Equity Research team is seeking a Senior Associate to support the lead analyst covering the Consumer Credit sector, contributing to high-quality, independent investment insights for global institutional clients.

About the role

This position offers the opportunity to work at the intersection of deep sector analysis, AI-driven research methods, and direct client impact within a globally connected team. You will play a meaningful part in shaping research publications, financial models, and client engagement for one of today's most dynamic sectors.

Responsibilities

• Build, maintain, and update detailed financial models for Consumer Credit sector companies, including relative value analysis, earnings forecasts, and scenario modeling to support investment recommendations.
• Draft and co-author equity research publications including earnings previews and recaps, initiation reports, and thematic deep-dive notes for distribution to institutional clients.
• Respond to inquiries from internal and external clients, delivering timely and well-informed perspectives on Consumer Credit sector developments and covered companies.
• Coordinate and support investor events including management meetings, company field trips, and industry consultant calls, ensuring seamless execution and strong client experience.
• Apply AI tools and emerging technologies to enhance research workflows, streamline data analysis, and improve the quality and efficiency of published outputs.
• Mentor and support junior team members, contributing to a high-performing research environment through knowledge sharing and day-to-day guidance.
• Evaluate business and investment decisions with sound judgment, maintaining the integrity of research outputs and adhering to regulatory and ethical standards.

Requirements

• 5 to 10 years of sell-side equity research experience, with a focus on Consumer Credit or a closely aligned sector.
• Bachelor's degree or equivalent experience in finance, economics, or a related field.
• Demonstrated ability to build and maintain complex financial models with a strong command of accounting principles and valuation frameworks.
• Experience supporting senior research analysts, including preparation of research materials and client-facing communications.
• Excellent written and verbal communication skills, with the ability to translate complex financial analysis into clear, compelling research narratives.
• Active holding of, or eligibility to obtain, SIE, Series 63, Series 86, and Series 87 licenses.
• High attention to detail and the ability to manage multiple priorities accurately under time-sensitive conditions.

Qualifications

• MBA, graduate degree, or CFA designation, demonstrating advanced financial and analytical expertise.
• Significant recent performance in external analyst surveys across the Consumer Credit sector, evidencing market recognition of research quality and client impact.

Benefits

• Hybrid working model offering 3 days in the office and 2 days working remotely.
• Direct exposure to senior research leadership and institutional clients, accelerating professional development within sell-side equity research.
• Access to Citi's global research platform, providing scale, resources, and cross-sector connectivity.
• Ongoing learning and development opportunities, including support for professional qualifications and emerging research methodologies including AI.
• Competitive compensation and a comprehensive benefits package, including:
  • Medical, dental, and vision coverage.
  • 401(k) plan.
  • Life, accident, and disability insurance.
  • Wellness programs.
  • Paid time off packages, including vacation, sick leave, and holidays.

Pay

Full-time salary range: $60,800.00 - $263,760.00. In addition to salary, eligible employees may receive discretionary and formulaic incentive and retention awards.

Schedule

Full time, hybrid (3 days in the office, 2 days remote).

Primary location: New York, New York, United States.