Credit Risk Review, Vice President

Citi; New York (NY); Hybrid; USD 32,000 - 64,000; Full time

Job summary

Citi in Mumbai, India, is seeking a Vice President to independently assess Citi's credit risk management across Corporate, Commercial, Wealth, and Markets. You will review portfolios and credit controls, shaping how Citi identifies and addresses credit risk at the entity level.

The role requires deep credit risk expertise, strong analytical skills, and the ability to lead cross-functional review teams in a hybrid work setting.

Qualifications

• Credit experience in corporate or commercial banking within financial services.
• A degree in business, finance, accounting, economics, or 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 lending areas.
• Advanced analytical skills with strong project management to lead review teams.
• Proven ability to build relationships, communicate with stakeholders at all levels, and apply independent credit judgment.

Responsibilities

• Assess credit risk management across Citi India's Corporate, Commercial, and Wealth and Markets 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 relationships.
• Identify opportunities to strengthen credit risk processes and promote industry practices.
• Prepare credit assessment documents and review reports meeting quality standards.
• Validate corrective action plans and confirm effectiveness after implementation.
• Partner with senior credit review leaders to support Global Head of Banking and International Credit Review.
• Communicate emerging risks and credit concerns proactively to risk management leadership.

Skills

Credit experience

Business/Finance degree

Credit analysis

Capital markets knowledge

Risk analysis

Analytical skills

Project management

Stakeholder communication

Regulatory experience

Citi structure familiarity

Language skills

Senior Credit Officer

Education

Business/Finance degree

Job description

Credit Risk Review, Vice President

Location(s):

Mumbai, Maharashtra, India

Job Type:

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

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.

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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