Credit Risk Review, Vice President

Location: Mumbai Maharashtra India, India

As a Vice President, Credit Risk Review, you will independently assess how well Citi manages credit risk across its India banking businesses, giving senior leaders and regulators confidence in the strength of the bank's lending practices. Sitting within Citi's Global Risk Review organization, you will evaluate portfolios, credit controls, and emerging risks across Corporate Banking, Commercial Banking, Global Wealth, and Markets. Your reviews and recommendations will directly shape how Citibank N.A. India identifies, monitors, and addresses credit risk at the entity level.

## Responsibilities

• Assess the effectiveness of credit risk management across Citibank N.A. India's Corporate, Commercial, and Wealth and Markets businesses against regulatory expectations.
• Conduct ongoing testing and periodic credit reviews to evaluate portfolio quality and surface emerging risks.
• Evaluate the accuracy of credit analysis, risk ratings, and classifications across corporate, commercial, and high-net-worth relationships.
• Identify opportunities to strengthen credit risk processes and promote leading industry practices.
• Prepare credit assessment documents and review reports that meet established quality standards.
• Validate corrective action plans and confirm their effectiveness once the business implements them.
• Partner with senior credit review leaders to support the Global Head of Banking and International Credit Review.
• Communicate emerging risks and credit concerns proactively to risk management leadership.

## Required Qualifications & Skills

• \+ years of credit experience in corporate or commercial banking within financial services.
• Degree in business, finance, accounting, economics, or a related field.
• Background in credit or financial statement analysis.
• Working knowledge of capital markets products, including derivatives.
• Expertise in risk analysis and risk management processes across one or more lending areas.
• Advanced analytical skills paired with strong project management capability to lead review teams.
• Proven ability to build relationships, communicate clearly with stakeholders at every level, and apply sound, independent credit judgment.

## Beneficial Skills & Qualifications

• Regulatory experience or exposure to a Credit Loan Review Mechanism or similar function at another institution.
• Familiarity with Citi's organizational structure and internal systems.
• Additional language skills relevant to the region.
• Senior Credit Officer qualification.

## What We Offer

Joining Citi's Global Risk Review team gives you a direct voice in credit decisions that matter, backed by the resources of a global bank invested in your growth and well-being.

• Work in a hybrid model with 3 days in the office and 2 days working remotely each week.
• Shape governance and decision-making by delivering assessments that influence how Citi manages credit risk.
• Access programs supporting your physical and mental well-being, including telehealth options and confidential counseling.
• Build long-term financial security through resources designed to support your financial well-being.
• Deepen your expertise through ongoing learning and development opportunities as your career progresses.
• Maintain a healthy work-life balance with generous paid time off.

Apply today to bring independent credit risk expertise to one of the world's most global banks.

## **Job Family Group:**

Risk Management

## **Job Family:**

Credit Review Risk Management

## **Time Type:**

Full time

## **Most Relevant Skills**

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

## **Other Relevant Skills**

Data Analysis, Laws and Regulations, Management Reporting, Policy and Procedure, Referral and Escalation, Risk Controls and Monitors, Risk Identification and Assessment, Risk Remediation.

*Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.*

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