CrawlJobs Logo
Citi Logo Citi · Finance

Credit Portfolio Senior Manager, Vice President

India, Gurugram · Job Posted January 13, 2026
Apply Position
Job Link Share

Job Description

This position is within Citi’s USPB In-Business Unsecured Lending Risk. This role will develop, implement and monitor credit policy strategies and capabilities for new account originations across the Unsecured lending portfolios (Cards, Personal Loans, Merchant Installment Loans, Lines of credit). You will be responsible for ensuring that credit strategies are analytically sound, compliant with regulatory expectations, and aligned with bank’s risk appetite and growth objectives.

Job Responsibility

  • Support design, development & optimization of the acquisition credit policies for a $150B+ portfolio that generates 15MM new accounts annually
  • Perform quantitative analyses to assess risk-adjusted return, risk segmentation, and tradeoffs in acquisition policy changes
  • Prepare proposals and review with the stakeholders within Risk, document the effective challenge and incorporate inputs in revising the proposals
  • Collaborate with digital and marketing teams on channel specific underwriting policies
  • Partner with modeling team on new tools, machine learning and alternate data
  • Develop a testing framework to deploy learnings faster using repeatable playbooks and monitoring routines
  • Track and report on initiatives, performance results, emerging trends and opportunities to senior management
  • Ensure adherence to internal and external regulatory expectations
  • Respond to effective challenge from second line
  • Serve as SME for audits, model use and implementation of strategies
  • Ensuring strategies are executed in a strong control environment

Requirements

  • 10+ years of experience in credit risk management or lesser with relevant experience in acquisitions credit risk
  • Experience in the financial services industry preferred
  • Demonstrated accountability for delivery of a full range of services to one or more businesses/geographic regions
  • Consistently demonstrate clear and concise written and verbal communication
  • Proven negotiation skills often used at a senior level
  • Demonstrated ability to synthesize, prioritize and drive results with urgency
  • Ability to obtain support and buy-in across a wide range of internal and external audiences
  • Bachelor’s/University degree in statistics, mathematics, economics, or equivalent experience
  • Master’s/PhD degree is a plus

Nice to have

Master’s/PhD degree is a plus

Citi - All Job Offers

Looking for more opportunities?

Search for other job offers that match your skills and interests.

Suggested Tags: Frontend Developer Secretary Talent Manager Salesforce Administrator Data Analyst
Similar Jobs for

Credit Portfolio Senior Manager, Vice President

8 matching positions

Assistant Vice President, ICM Risk Analysis Credit Risk Senior Analyst

ICM Risk Analysis Credit Risk Associates are responsible for a portfolio of inst...
Location
Location
Japan , Tokyo
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Bachelor's/University degree or equivalent experience
  • Financial Services experience including 5-8 years of credit experience in Banking or Credit Risk Management
  • Well-developed analytical skills with understanding of key financial components
  • Advanced knowledge of financial statements and GAAP accounting or similar governance
  • Solid understanding of Credit Policy and procedures
  • Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
  • Advanced experience with internal Policies, Standards, Procedures, Templates and financial modeling
  • Highly effective interpersonal skills with ability to build relationships
  • Exceptional written and verbal communication skills
Job Responsibility
Job Responsibility
  • Assess credit and financial strength of Citi's most complex Large Corporate, Public Sector, and Financial Institutions Clients
  • Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR)
  • Continuous monitoring of covered portfolio including industry trends and impacts to key relationships
  • Review and provide recommendation on risk rating across sector
  • Partnership with regional and industry stakeholders in credit assessment implementation
  • Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
  • Travel (less than 10%)
  • Fulltime
Read More
Arrow Right

Senior Vice President - ICM Credit Product Strategy

CPSO team comprises senior Banking and Credit Risk SMEs along with specialized s...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Demonstrate financial services experience, including 12-15 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
  • Impeccable and thorough knowledge of Credit risk systems
  • Ability to synthetize complex information into clear, compelling presentations and well-structured analytical workbooks
  • Outstanding awareness and adherence to the control environment
  • Strategic orientation
  • Recognized as a skillful manager with a track record of building high performing teams
  • Proven culture carrier
  • Powerful interpersonal skills
Job Responsibility
Job Responsibility
  • Accountability for effective Issue Resolution & Risk Mitigation by providing design and testing support to resolve MRAs/CAPs and SIIs across Institutional Credit Management
  • Foster a consultative / advisory approach that challenges legacy policies, processes and promotes efficiency
  • Identification of governance mechanisms / controls to prevent recurrence of issues
  • Partnership and continuous engagement with applicable regional and industry stakeholders in ICM, Corporate Bank, Commercial Bank, Wealth and Risk for effective Issue resolution and Risk Mitigation
  • 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
  • Ensure on-time adoption and continued improvement of the Credit Risk Process Digitalization platforms
  • Identify scope to leverage new age tools (AI/ML) to optimize processes across the ICM organization
  • Ensure timely completion of projects within the CPSO book of work
  • Place additional focus on talent management by increasing completion rates of individual development plans and adoption of consistent succession planning processes across ICM
What we offer
What we offer
  • Global benefits designed to support well-being, growth and work-life balance
  • Fulltime
Read More
Arrow Right

Leveraged Finance Underwriter - Senior Vice President

The Global Leveraged Finance Underwriting Team within Institutional Credit Manag...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 13+ years of credit or related leveraged finance experience
  • MBA or CA or CFA
  • Advanced knowledge of Microsoft Word, Excel, and PowerPoint
  • Thorough understanding of the credit and/or portfolio management process
  • Strong awareness and adherence to the control environment including Quality Assurance and Quality Control
  • Team player with strong work ethic who also works well with others
  • Strong writing, analytical, communication, and presentation skills
  • Experience in leading a team and in coaching and mentoring junior bankers
  • Ability to break down large amounts of data into concise, easy to understand credit recommendations
  • Proven culture carrier
Job Responsibility
Job Responsibility
  • Be accountable for ensuring best in class credit risk analysis of the Leveraged Finance Portfolio
  • Provide critical support and leadership across LFU's core functions
  • Supervise analysts and associates to perform periodic written reviews of the clients' financial and operating performance
  • Review and analyze models used for valuation and to forecast the client's operating and financial performance
  • Ensure ongoing and timely feedback and coaching of junior team
  • Evaluate and gain strong understanding of clients' business, financial performances, and key credit drivers
  • Remain current on all relevant Leveraged Lending market trends and issues
What we offer
What we offer
  • Extensive on-the-job training and exposure to senior leaders
  • Traditional learning opportunities
  • Chance to give back and make a positive impact through volunteerism
  • Opportunity to grow your career
  • Fulltime
Read More
Arrow Right

Credit Risk Analytics - USPB Collections - Vice President

The Credit Portfolio Officer is a senior-level position responsible for leading ...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 10 years of experience in credit card risk management or equivalent training and experience preferably in the financial services industry
  • Proven ability to apply credit and risk principles toward business goals
  • Demonstrated ability to synthesize and prioritize
  • Proven ability to remain organized in a fast-paced environment
  • Demonstrated interpersonal, organizational and analytic skills
  • Bachelor's/Master's degree/University degree or equivalent experience
  • Master's degree preferred
Job Responsibility
Job Responsibility
  • Help in development of reporting framework for USPB collections across all LoBs
  • Monitor monthly trends for insights and work proactively on enhancement of the reporting platform
  • Understand USRB policies and deep-dive to find any gaps
  • Work with controls team for sizing/fixing and remediation and also putting on compensating controls
  • Understand collections strategies and work on enhancements/Lead end to end strategic initiates
  • Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses
  • Prepare risk management presentations for senior management
  • Acts as SME to senior stakeholders and/or other team members
  • Appropriately assess risk when business decisions are made
  • Fulltime
Read More
Arrow Right

Vice President, Institutional Credit Management - In-Business Quality Assurance - Financial Institutions Underwriting

The ICM In-Business Quality Assurance function (QA) verifies that established st...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Quality Assurance: Demonstrable Credit / Counterparty credit risk Audit / quality assurance experience, including 5-7 years in the areas of banking, credit risk management, loan review or quality assurance review function at an investment or large commercial bank
  • Solid understanding of risk management and control frameworks related to Counterparty Credit Risk management or another Financial Risk discipline
  • Capability to understand complex counterparty credit product structures, and ideally versed in derivatives and structured investment products
  • Good grasp of counterparty credit risk covered process, to evaluate findings within the Quality Assurance process, determine materiality, and partnering with in-line makers and checkers for ongoing improvement, problem detection, and sustainable remediation
  • Strong background on core credit analysis for large corporate and finance industries including funds to properly evaluate process and quality breaks within the quality assurance function
  • Ideally, credit officer or analyst or operational credit risk background, with experience on day-to-day credit functions associated with analysts and risk approval
  • High awareness and adherence to the control environment including Quality Assurance and Quality Control
  • Competencies: Highly Effective interpersonal skills, with the ability to build relationships and exert influence with and without direct authority with Senior Levels of Management
  • Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
  • Exceptional written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
Job Responsibility
Job Responsibility
  • Support the Head of FI In-Business Quality Assurance to set the global strategy for and lead the implementation and ongoing delivery of a robust Quality Assurance function
  • Provide effective credible challenge during QARs to Business Region Heads and Portfolio Managers, as regards to memo and process quality to ensure that weaknesses in such processes are identified and escalated as appropriate
  • Support with the aim to ensure wholesale credit risks within Citi are effectively identified, measured, monitored, and controlled, consistent with the bank's risk appetite and all policies and processes established within the risk governance framework
  • Support execution of consistent and objective assessments during QARs
  • Support execution of subsequent follow-up on corrective actions that were raised during QARs
  • Support execution of sustainability testing of corrective actions resulting from issues raised by Internal Audit or Regulators
  • Synthesize and prepare quarterly Quality Assurance Scorecard Reports to ICM business management that communicate and measure results and identify negative trends and potential solutions
  • Constant interaction with the respective Analysts and Team Leads, to ensure that quality assurance protocols are adequate for all portfolios
  • Support WCR IBQA function in the establishment of WCR IBQA policies, procedures, risk assessment and controls to drive effective QA coverage and standards
  • Support ICM Head of Markets In-Business Quality Assurance Functional Head to stay abreast of relevant changes to rules/regulations and other industry news including regulatory findings
What we offer
What we offer
  • Extensive on-the-job training and exposure to senior leaders
  • Traditional learning opportunities
  • Access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses
  • Resources and tools to volunteer in the communities in which they live and work
  • Opportunity to give back and make a positive impact through volunteerism
  • Fulltime
Read More
Arrow Right

Treasury ALM – Senior Vice President

The role will drive production needs and lead workstreams to develop, enhance, m...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 10+ years experience in Financial Services, Treasury, and bank global liquidity investment portfolio
  • 5+ years of managerial and market experience required
  • Ability to succinctly articulate data insights using business intelligence and data visualization techniques
  • Excellent Excel and PowerPoint skills for report building and presentations used to influence
  • Deep subject matter expertise in debt investment securities and non-trading market risk such as FXRBB, commodity risk, private equity risk and CSRBB, QMMF and CCAR for Pensions, ATM/AFS portfolios, etc.
  • Strong understanding of regulatory, compliance, risk management and financial management, and data governance concerns
  • Strong understanding of Bank ALM, Capital, and Liquidity considerations
  • Extensive experience in debt investment securities analytics, measurement, metrics and methodologies
  • Experience in stakeholder management to achieve a complex rollout across many functions, time zones, systems
  • Demonstrated ability to collaboratively solution complex and dynamic processes
Job Responsibility
Job Responsibility
  • Offer team support to the implementation of and contribute to BSM’s process by providing key analytical insights across BSM functions with a primary focus on asset allocation, FXRBB, OCI stress testing analytics for (CCAR) and QMMF for pensions and AFS /HTM securities, Commodity/Equity/CSRBB risk
  • Provide leadership, market experience, and subject matter expertise for enhancing BSM’s analytics and methodologies and establishing Citi's first-line NTMR management framework
  • Use subject matter expertise to aid senior leaders in aligning governance and management framework, procedures and controls for all legal entities that have OCI Risk, FX risk, commodity risk, credit spread risk in the Banking Book
  • Liaise with businesses, legal entity treasury, CTI and Markets Treasury, and Controllers teams to ensure both an understanding and the ability to manage other non-trading market risks
  • Assist Manager with remediation gap efforts in other non-trading market risk as required by Tier 1 regulations and help to remediate regulatory/audit self-identified issues concerning other non-trading market risks in the banking book and achieve target state framework
  • Interact with 2nd line FinCRO function, regulators, senior management and Non-Traded Market Risk governance committees
  • Aid Business Head and senior leadership to develop, manage, and retain talent with moderate leadership experience demonstrated through empowerment, situational awareness, increasing transparency and conflict resolution on large-scale programs and data transformation
  • Identify solutions to business inquiries in a timely manner and own the implementation / execution steps to autonomously drive open issues to completion
  • Direct project prioritization, platform direction, and future state planning and strategic direction
What we offer
What we offer
  • Equal opportunity employer
  • Accessibility support for persons with disabilities
  • Work-life balance benefits
  • Growth and career opportunities
  • Fulltime
Read More
Arrow Right

Markets Financial Planning & Analysis, Senior Vice President

This role supports the stress testing processes for Markets businesses, includin...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Bachelor’s degree in a quantitative discipline: Mathematics, Sciences, Economics, Management, and Statistics (Master’s degree in an analytical field is a plus)
  • 7-9 years of work experience in financial services or management consulting
  • Strong understanding of risk management
  • Knowledge of the Markets industry is a plus
  • Strong understanding and hands-on experience with econometric and empirical forecasting models
  • Strong CCAR / DFAST/Stress Testing experience is preferred
  • Broad understanding of overall business model and key drivers of P&L
  • 5+ years of experience in using analytical packages, datacube/Essbase, Tableau, MS Office (Excel, PowerPoint)
  • Vision and ability to provide innovative solutions to core business practices
  • Ability to develop partnerships across multiple business and functional areas
Job Responsibility
Job Responsibility
  • Quarterly stress testing process (CCAR, QMMF, Recovery Plan) deliverables for the Markets business
  • Associated governance activities (Manager Control Assessment, End User Computing, Activity Risk Control Monitoring and its Assessment Units)
  • Review and challenge existing models, and model outputs to identify areas of improvement relative to portfolio & macro-economic trends
  • Partner with Finance team to complete requests on financial planning & CCAR/DFAST results and increased integration of credit risk & PPNR results
  • Collaborate with Risk Modeling, Portfolio and New Account Forecasting, Data and Reporting teams
  • Create presentations with supportive analysis, storyboard results, and lead discussions with senior management, Lead Finance Officers, Independent Risk
  • required as part of the business review and effective challenge process
  • Establish and continually evolve standardized business and submission documentation
  • Coordinate with Global CCAR Office, drive centralized reporting requirements, and communicate with Auditors and Regulators
  • Partner with Risk and Finance organization to understand sources of data and continue to improve the process of defining, extracting and utilizing data
What we offer
What we offer
  • Equal opportunity employment
  • Global workforce benefits
  • Reasonable accommodation for persons with disabilities.
  • Fulltime
Read More
Arrow Right

Non Trading Market Risk Management - Vice President

The BSM NTMR Snr Ld analyst will drive the production needs and lead various wor...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 6-10 years experience in Financial Services, Treasury, and bank global liquidity investment portfolio
  • Excellent Excel and PowerPoint skills for report building and presentations
  • Intermediate knowledge in debt investment securities and non-trading market risk such as FXRBB, commodity risk, private equity risk and CSRBB, QMMF and CCAR for Pensions, ATM/AFS portfolios, etc.
  • Intermediate understanding of regulatory, compliance, risk management and financial management, and data governance concerns
  • Intermediate understanding of Bank ALM, Capital, and Liquidity considerations
  • Intermediate experience in debt investment securities analytics, measurement, metrics and methodologies
  • Demonstrated ability to collaboratively solution complex and dynamic processes
  • Proven ability to work under pressure in ambiguous environments
  • Excellent oral and written communications skills
  • Previous experience interacting and working with Executive Leaders
Job Responsibility
Job Responsibility
  • Drive the production needs and lead various workstreams to develop, enhance, measure, and monitor 1st line Non-Trading Market Risk framework including Governance and Oversight, Metrics, Methodology, Measurement, Data and Infrastructure, Process and Controls, and Management for Commodity/Equity/CSRBB Framework, FXRBB, stress testing analytics relating to CCAR and QMMF for Citi's global Pensions, and AFS/HTM securities, and asset allocation design
  • Be a lead analyst to support the implementation of and contribute to BSM's process by providing key analytical insights across BSM functions with a primary focus on asset allocation, FXRBB, OCI stress testing analytics for (CCAR) and QMMF for pensions and AFS /HTM securities, Commodity/Equity/CSRBB risk
  • Provide leadership, market experience, and subject matter expertise for enhancing BSM's analytics and methodologies and establishing Citi's first-line NTMR management framework
  • Use subject matter expertise to aid senior leaders in aligning governance and management framework, procedures and controls for all legal entities that have OCI Risk, FX risk, commodity risk, credit spread risk in the Banking Book
  • Liaise with businesses, legal entity treasury, CTI and Markets Treasury, and Controllers teams to ensure both an understanding and the ability to manage other non-trading market risks
  • Support the team and assist Manager with remediation gap efforts in other non-trading market risk as required by Tier 1 regulations and help to remediate regulatory/audit self-identified issues concerning other non-trading market risks in the banking book and achieve target state framework
  • Interact with 2nd line FinCRO function, regulators, senior management and Non-Traded Market Risk governance committees
  • Provides advice and counsel related to the technology or operations of the business
  • Fulltime
Read More
Arrow Right