Credit Product Strategy - Assistant Vice President

Citi; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Citi in Mumbai is seeking an experienced professional to join the CPSO team in Credit Risk Management. You will support issue resolution, risk mitigation, and portfolio oversight, working with regional stakeholders to ensure timely project delivery.

The role emphasizes governance, process improvement, and the exploration of AI/ML tools to optimize operations across business units. Strong communication and presentation skills are essential.

Qualifications

• Minimum 6–9 years in Banking or FI Industry.
• Deep knowledge of Wholesale Credit Processes and Policies.
• Strong written and verbal communication for senior audiences.

Responsibilities

• Provide testing support to resolve MRAs/CAPs and SIIs across ICM.
• Support Portfolio Managers in engagement with regional stakeholders.
• Drive adoption of Credit Risk Process Digitalization platforms.
• Ensure timely completion of CPSO projects and governance.
• Identify opportunities to use AI/ML to optimize processes.

Skills

Financial services experience

Credit risk processes

Citi systems

Presentation skills

Communication skills

Organization under pressure

Education

BA/BSc in Finance or Accounting or MBA or CFA

Tools

MS Office

PowerPoint

Excel

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.

CPSO team comprises senior Banking and Credit Risk SMEs along with specialized staff with a broad mandate spanning all of credit monitoring, portfolio management, collateral management, transaction management, credit risk middle office, quality assurance, issues management and regulatory issue remediation. The team’s objective is to ensure exceptional outcomes for Citi’s clients while sustaining industry leading safety and soundness as regards credit risk management by the first line of defense.

In this role, you’re expected to:

• Effective Issue Resolution & Risk Mitigation by providing testing support to resolve MRAs/CAPs (Corrective Action Plans) and SIIs (Self-Identified Issues) across Institutional Credit Management (ICM)
• Support Portfolio Manager and Assistant Portfolio Manager in Partnership and Continuous engagement with applicable regional and industry stakeholders in ICM, CB, CCB, Wealth and Risk for effective Issue resolution and Risk Mitigation
• Implementation of best practices inline with established guidelines to drive operational consistency across Business Units
• Ensure on-time adoption and continued improvement of the Credit Risk Process Digitalization platforms in partnership with ICM Product Development, Technology, and end users across all LoBs.
• Ensure timely completion of projects within the CPSO book of work.
• Following established governance mechanisms / controls to prevent recurrence of issues
• Identify scope to leverage new age tools (AI/ML) to optimize processes across the ICM organization
• Ensure ongoing and timely feedback and coaching of Associates and Senior Analysts to sustain a strong credit culture and an unwavering commitment to excellence in analysis and execution
• Actively participate in Learning, Development and Training opportunities including instructor led courses
• Support CPSE VoE Engagement, Belonging (DEI), and Leadership scores
• Travel (less than 10%)

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

• Demonstratable financial services experience, including 6-9 years in Banking or FI Industry
• Deep knowledge of Wholesale Credit Processes and Policies spanning the Credit Risk Value Chain
• Sound and thorough knowledge of Citi´s systems
• Significant experience in preparing presentations for seniors
• Outstanding awareness and adherence to the control environment
• Strategic orientation to ensure the team continues to be positioned as a thoughtful and proactive partner in providing effective resolutions and best practices for Risk Mitigation across Business units
• Proven culture carrier. Well-developed interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
• Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively with little to no supervision
• Clear written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
• Intermediate Microsoft Office (Word, Excel, and PowerPoint) skills

Education:

• BA/BSc in Finance or Accounting or higher degree in Business (MBA), or CFA, or any other related subject

Job Family Group:

Product Management and Development

Job Family:

Product Strategy and Planning

Time Type:

Full time

Most Relevant Skills

Please see the requirements listed above.

Other Relevant Skills

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

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