Credit Officer - Assistant Vice President

Citi; Mumbai; Hybrid; INR 1,800,000 - 2,500,000; Full time

Benefits offered by this job

Health insurance

Job summary

Citi in Mumbai, India is seeking an Assistant Vice President, Credit Officer (Internal Title: Credit Officer–C12) to join our Risk Management team. The role emphasizes credit policy development, risk analysis, and senior stakeholder communication in a hybrid work setting.

Ideal candidates will have 5–8 years of experience in credit risk, a quantitative degree, and strong SAS/SQL skills. The position offers growth across Citi’s global network and a focus on professional development.

Qualifications

• 5-8 years relevant experience.
• Degree in quantitative fields such as Economics, Engineering, Operations Research, Business Finance or Mathematics (Master’s preferred).
• Experience in credit card risk management or equivalent in financial services.

Responsibilities

• Develop recommendations to adjust credit policies by analyzing credit and financial performance using statistical scoring, segmentation, regression and simulation techniques.
• Implement initiatives to ensure consistency and compliance with credit policies.
• Utilize SAS in a UNIX environment to perform risk, financial and data analysis including profiling, sampling, reconciliation and quality testing.
• Prepare risk management presentations for senior management with analytics on portfolio performance and trends.
• Assess risk in business decisions, ensure compliance with laws and regulations and escalate control issues transparently.

Skills

Analytical Thinking

Risk Management

Financial Analysis

Governance

Policy and Regulation

Education

Bachelor’s/University degree or equivalent experience

Tools

SAS

SQL

Job description

Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.

Shape your Career with Citi

We’re currently looking for a high caliber professional to join our team as Assistant Vice President, Credit Officer - Hybrid (InternalJob Title: Credit Officer–C12) 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 decision and manage your financial well-being to help plan for your future.

What We Offer-

• Opportunities to grow your career locally and collaborate with colleagues across Citi's global network.
• A hybrid working model that balances in-office collaboration with remote flexibility.
• Investment in your professional development through training programmes, mentorship, and skill-building opportunities.

The Credit Officer (AVP) is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area.

Requires in‑depth understanding of how areas collectively integrate within the sub‑function as well as coordinate and contribute to the objectives of the function and overall business.

Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information.

Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits Significant impact in terms of project size, geography, etc. by influencing a decision through advice, counsel and/or facilitating services to others in area of specialization.

In this role you’re expected to:

• Develop recommendations to adjust credit policies by analyzing credit and financial performance utilizing statistical scoring, segmentation, regression and simulation techniques
• Implement initiatives to ensure consistency and compliance with credit policies
• Utilize SAS in a UNIX environment to perform risk, financial and data analysis including profiling, sampling, reconciliation, and quality testing
• Prepare risk management presentations for senior management that include analytics on portfolio performance, emerging trends and areas of opportunity
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

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

• 5-8 years relevant experience
• Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics (Master’s degree preferred)
• Previous experience in credit card risk management or equivalent training and experience preferably in the financial services industry
• Ability to apply credit and risk principles toward business goals
• Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency
• Must be highly organized and able to work in a fast paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills
• Extensive knowledge of SAS or SQL programming and literacy with MS Office software required

Education:

• Bachelor’s/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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.

Job Family Group:

Risk Management

Job Family:

Credit Risk

Time Type:

Full time

Most Relevant Skills:

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

Other Relevant Skills:

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

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.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.