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.

Shape your Career with Citi

We’re currently looking for a high caliber professional to join our team as Vice President, Credit Officer - Hybrid (Internal Job Title: Credit Officer- C13 ) 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.

In this role, you’re expected to :





- Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards.
- Prepare a detailed written credit summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision.
- Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information.
- Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to assess repayment capacity based on cash flow statements, tax returns, and statements.
- Perform industry and geographical research and other due diligence as needed.
- Maintain a solid understanding of Citibank products and services - within Small Business/Commercial Banking and the broader organization.
- Maintain compliance with Citibank credit policies/practices and regulatory policies, to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors.
- Assists business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels. Work with management team on prioritization and implementation of approved actions.
- Provide backup support to Credit Underwriting Group Manager,



lead projects and initiatives and mentor lower level Credit Officers as needed.
- Other duties as required to support business unit and company goals.
- 6-10 years previous credit authority experience. Prior experience working in a regulatory and compliance policy environment
- Proven analytical skills including the ability to understand and assess individual and company financial statements, cash flow, industry/competitive analysis and projections; including complicated business structures with foreign subsidiaries and/or parent organizations.
- Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced workplace
- Effective inter-personal and written/verbal communication skills
- Thorough problem recognition and resolution skills
- Typically deals with 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 needs.
- Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources.
- Exercises wide degree of latitude and discretion.
- Significant impact on the area through complex deliverables.
- Provides advice and counsel related to the technology or operations of the business.
- Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.

Education :

- Bachelor’s/University degree, Master’s degree preferred

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.

📌 Credit Officer - Vice President (Mumbai)
🏢 Citi
📍 Mumbai