Discover your future at CitiWorking 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 OverviewTeam / Role Overview:Credit Risk Review (CRR) provides independent, objective, reliable, valued and timely assurance over the effectiveness of credit risk management to identify, monitor and mitigate current and emerging risks across Citibank. CRR provides independent, objective, reliable, valued and timely assurance to the Boards, the Committees, the Citigroup Chief Risk Officer (“Citigroup CRO”), Citibank CRO, senior management and regulators over the effectiveness of credit risk management and the ability of the Business and independent Risk Management to identify, monitor and mitigate current and emerging risks across Citigroup and Citibank. The Lead Reviewer is responsible for independently managing all aspects of his or her assigned Review Entity. Responsibilities include execution of Business Monitoring and Reviews in accordance with the CRR Manual, monitoring and evaluation of portfolios, strategies, and credit risks, assessment of the effectiveness of credit risk management of assigned businesses, proposal of pragmatic solutions to risk and control issues, and maintaining ongoing contact with a Review Entity’s management through continuous Business Monitoring and corrective action follow-up where applicable. The role also incorporates the effective use of Citi‑approved AI‑enabled tools to enhance analytical depth, streamline review execution, and strengthen trend identification while maintaining full reviewer judgment.What you’ll do:Assess the effectiveness of credit risk management at Citi and the ability of the Business and Independent Risk to identify, monitor and mitigate current and emerging credit risks across Citigroup and CitibankManage CRR Wholesale Review Entities through quarterly Business Monitoring and periodic Reviews leveraging AI tools to support data extraction, thematic analysis, and risk identification where appropriateAssess the quality of assigned portfolios and relationships, including identification and evaluation of emerging risksAssess the quality and adequacy of credit analysis and exposure analysis as well as accuracy and appropriateness of risk ratings and classifications of corporate,



commercial and high-net worth relationshipsAssess the effectiveness of the credit risk processes and standards of assigned Review Entity to promote leading practices and identify opportunities for improvementsAssess Business and Risk staffing levels to determine the effects on assigned Review EntityPrepare Credit Assessment Documents in accordance with and at the quality standards required by the CRR Manual and Review Guides, incorporating AI tools as appropriate for drafting support, document comparison, and consistency checksEvaluate the appropriateness of Corrective Action Plans resulting from Reviews or Business Monitoring, and subsequent validation of the effectiveness of the same after implementation by the BusinessMaintain accountability for the quality and consistency of work products that include Credit Assessment Documents, Sample Rationale Documents, and CRR Wholesale Review Reports created for the assigned Review EntityAssist CRR Wholesale Team Managers, Segment Heads, and Head of CRR Wholesale on regional and/or global tasksCommunicate concerns and/or emerging risks that may impact the assigned Review Entity to Credit Review Team Managers and CRR Wholesale Senior ManagementAppropriately assess risk in business decisions, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, and internal policies, exercising sound ethical judgment regarding personal behavior, conduct and business practices, and transparently escalating, managing and reporting control issues.Travel requirement - 25% of the timeWhat we’ll need from you:8 to 16 years previous experience required Work experience in Banking, Finance, Accounting, Economics, Business Administration or similar with Credit or financial statement analysis experienceStrong analytical skills, with the ability to identify root causes and trends and anticipate horizon issuesFully conversant in credit policy mattersGood knowledge of capital markets products, including derivativesAbility to recognize emerging risks, including operational riskExpert in risk analysis and risk management processes for one or more products and lending areasDeveloped project management skillsProficient in Microsoft Office (Word, Excel, and PowerPoint)



and comfortable using AI‑enabled productivity and analytics tools consistent with Citi’s policiesStrong interpersonal skills with ability to build and maintain relationships and exert influence without direct authorityStrong written and verbal communication skills, with the ability to communicate clearly and concisely with audiences of varying levels of seniorityRegulatory experience or relevant experience in a similar role at another institution is desirableLanguage skills preferred, depending on regionKnowledge of Citi's organization and systems preferredBachelor’s/University degree, Master’s degree preferred.What we can offer you:By joining Citi, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive compensation package and enjoy a whole host of additional benefits that support you (and your family) to be well, live well and save well:Cafeteria ProgramHome Office Allowance (for colleagues working in hybrid work models)Paid Parental Leave Program (maternity and paternity leave)Private Medical Care Program and onsite medical rooms at our officesPension Plan Contribution to voluntary pension fundGroup Life InsuranceEmployee Assistance ProgramAccess to a wide variety of learning and development programs, online course libraries and upskilling platforms, such as Udemy and DegreedFlexible work arrangements to support you in managing work - life balanceCareer progression opportunities across geographies and business linesSocially active employee communities with diverse networking opportunities#LI-VR2------------------------------------------------------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 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 (opens in current window).View Citi’s EEO Policy Statement (opens in new window) and the Know Your Rights (opens in new window) poster.

📌 Credit Review Officer, Vp (Hybrid) (Maharashtra)
🏢 Citigroup
📍 Maharashtra