Credit Review Senior Officer , Senior Vice President

Citi’s Risk Management organization oversees risk-taking activities and assesses risks and issues independently of the front-line units. We establish and maintain the enterprise risk management framework that ensures the ability to consistently identify, measure, monitor, control and report material aggregate risks.

We’re currently looking for a high caliber professional to join our team as Credit Review Senior Officer , Senior Vice President (Internal Job Title): Credit Review Senior Officer , Senior Vice President(14) based in Mumbai, India. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decisions and manage your financial well-being to help plan for your future. For instance:

• Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country.
• We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world.
• We empower our employees to manage their financial well-being and help them plan for the future.
• Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.
• We have a variety of programs that help employees balance their work and life, including generous paid time off packages.
• We offer our employees resources and tools to volunteer in the communities in which they live and work. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world

Credit Risk Review provides independent, objective, reliable, valued and timely assurance over the effectiveness of credit risk management to identify, monitor and mitigate current and emerging risks across Citibank.

The Senior Lead Reviewer is responsible for independently managing all aspects of his or her assigned Review Entity. Responsibilities include execution of Business Monitoring and Reviews in accordance with the CRR Manual, monitoring and evaluation of portfolios, strategies, and credit risks, assessment of the effectiveness of credit risk management of assigned businesses, proposal of pragmatic solutions to risk and control issues, and maintaining ongoing contact with a Review Entity’s management through continuous Business Monitoring and corrective action follow-up where applicable. The role also incorporates the effective use of Citi‑approved AI‑enabled tools to enhance analytical depth, streamline review execution, and strengthen trend identification while maintaining full reviewer judgment.

In this role, you’re expected to :

• Assess the effectiveness of credit risk management at Citi and the ability of the Business and Independent Risk to identify, monitor and mitigate current and emerging credit risks across Citigroup and Citibank
• Manage CRR Wholesale Review Entities through quarterly Business Monitoring and periodic Reviews leveraging AI tools to support data extraction, thematic analysis, and risk identification where appropriate
• Assess the quality of assigned portfolios and relationships, including identification and evaluation of emerging risks
• Assess the quality and adequacy of credit analysis and exposure analysis as well as accuracy and appropriateness of risk ratings and classifications of corporate, commercial and high-net worth relationships
• Assess the effectiveness of the credit risk processes and standards of assigned Review Entity to promote leading practices and identify opportunities for improvements
• Assess Business and Risk staffing levels to determine the effects on assigned Review Entity
• Prepare Credit Assessment Documents in accordance with and at the quality standards required by the CRR Manual and Review Guides, incorporating AI tools as appropriate for drafting support, document comparison, and consistency checks
• Evaluate the appropriateness of Corrective Action Plans resulting from Reviews or Business Monitoring, and subsequent validation of the effectiveness of the same after implementation by the Business
• Maintain accountability for the quality and consistency of work products that include Credit Assessment Documents, Sample Rationale Documents, and CRR Wholesale Review Reports created for the assigned Review Entity
• Assist CRR Wholesale Team Managers, Segment Heads, and Head of CRR Wholesale on regional and/or global tasks
• Communicate concerns and/or emerging risks that may impact the assigned Review Entity to Credit Review Team Managers and CRR Wholesale Senior Management
• Appropriately assess risk in business decisions, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, and internal policies, exercising sound ethical judgment regarding personal behavior, conduct and business practices, and transparently escalating, managing and reporting control issues
• Travel requirement - 25% of the time.

As a successful candidate, you’d ideally have the following skills and exposure:

• 12+ years previous experience required Work experience in Banking, Finance, Accounting, Economics, Business Administration or similar with Credit or financial statement analysis experience
• Advanced analytical skills, with the ability to identify root causes and trends and anticipate horizon issues
• Fully conversant in credit policy matters
• Good knowledge of capital markets products, including derivatives
• Ability to recognize emerging risks, including operational risk
• Expert in risk analysis and risk management processes for one or more products and lending areas
• Developed project management skills
• Proficient in Microsoft Office (Word, Excel, and PowerPoint) and comfortable using AI‑enabled productivity and analytics tools consistent with Citi’s policies
• Proven ability to build and maintain relationships and exert influence without direct authority
• Excellent written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
• Regulatory experience or relevant experience in a similar role at another institution is desirable
• Language skills preferred, depending on region
• Knowledge of Citi's organization and systems preferred
• Bachelor’s/University degree, Master’s degree preferred
• Senior Credit Officer designation preferred.

Education: 

Bachelor's/University degree, master’s degree preferred

Working at Citi is far more than just a job. A career with us means joining a family of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Take the next step in your career, apply for this role at Citi today

https://jobs.citi.com/dei

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Job Family Group:

Risk Management

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Job Family:

Credit Review Risk Management

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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