Credit Product Strategy - Vice President

Citi; New York (NY); Hybrid; USD 37,000 - 74,000; Full time

Benefits offered by this job

Job summary

Citi seeks a Vice President in Credit Product Strategy to lead risk-aware credit initiatives across the Wholesale Banking portfolio. The role emphasizes design/testing support to resolve MRAs/CAPs, governance to prevent recurrence, and leveraging AI/ML to optimize processes. Travel < 10% and collaboration with regional stakeholders is expected.

The successful candidate will bring 9–12 years in banking, deep credit risk knowledge, and strong communication to influence across teams.

Qualifications

• 9–12 years in banking or FI industry.
• Deep knowledge of wholesale credit processes and policies.
• Credit Officer designation or equivalent.
• Excellent knowledge of credit risk systems.
• Ability to synthesize complex information into clear, concise presentations.
• Strong awareness of the control environment.
• Strategic orientation for risk mitigation across business units.
• Proven relationship-building and influence without authority.
• Strong organizational skills under pressure.
• Excellent written and verbal communication; concise to varied audiences.
• Advanced Microsoft Office (Word, Excel, PowerPoint).

Responsibilities

• Provide design/testing support to resolve MRAs/CAPs and SIIs across ICM.
• Support Portfolio Manager to reduce anomalies and drive operational consistency.
• Identify governance mechanisms/controls to prevent recurrence of issues.
• Ensure adoption and improvement of Credit Risk Process Digitalization platforms.
• Ensure on-time completion of CPSO book of work.
• Engage with regional stakeholders for effective issue resolution and risk mitigation.
• Identify scope to leverage AI/ML to optimize processes.
• Coach AVP, Associates and Senior Analysts to sustain a strong credit culture.
• Participate in Learning, Development and Training opportunities.
• Support DEI initiatives and Leadership scores; travel <10%.

Skills

Financial services experience

Credit risk domain knowledge

Stakeholder management

Excel/PowerPoint

Communication skills

Education

BA/BS in Finance or Accounting, MBA or CFA

Tools

Microsoft Office

Job description

Credit Product Strategy - Vice President

Mumbai, Maharashtra, India

Hybrid

Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of approximately 219,000 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 Overview

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:

• Accountability for effective Issue Resolution & Risk Mitigation by providing design and testing support to resolve MRAs/CAPs (Corrective Action Plans) and SIIs (Self-Identified Issues) across Institutional Credit Management (ICM)
• Support Portfolio Manager in Identification of opportunities to reduce anomalies and establish guidelines / best practices to drive operational consistency across Business Units. Improve Client experience by simplifying the implied support burdens currently borne by clients and coverage staff
• Identification of governance mechanisms / controls to prevent recurrence of issues
• 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.
• Support 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
• Identify scope to leverage new age tools (AI/ML) to optimize processes across the ICM organization
• Ensure ongoing and timely feedback and coaching of and AVP, 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 9-12 years in Banking or FI Industry
• Deep knowledge of Wholesale Credit Processes and Policies spanning the Credit Risk Value Chain
• Credit Officer (CO) or demonstrating the skills aligned with that designation
• Excellent and thorough knowledge of Credit risk systems
• Ability to synthetize complex information into clear, compelling presentations and well-structured analytical workbooks.
• High 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. Highly effective 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
• Strong written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
• Advanced 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

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

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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