Institutional Credit Management, In-Business Quality Assurance - Real Estate and Structured Credit Underwriting, Citi

Citi

Location:
India, Mumbai

Category:
Finance

Contract Type:
Employment contract

Salary:

Not provided

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Job Description:

Institutional Credit Management’s objective is to provide an integrated “end-to-end” credit underwriting, identification, measurement, management, monitoring and reporting for wholesale credit businesses across the enterprise. In-Business Quality Assurance is an integral part of the ICM organization.

Job Responsibility:

Support the QA Head of Real Estate and Structured Credit Underwriting in discussions to define the Quality Assurance function and Reviews across ICM coverage universe
Provide effective credible challenge during QARs to Business Region Heads and Portfolio Managers, with respect to credit memorandums and associated process quality to ensure that weaknesses in such processes are identified and escalated as appropriate
Provide support 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
Consistent and objective assessments during QARs and subsequent follow-up on corrective actions that were raised during QARs
Sustainability testing of corrective actions resulting from issues raised by Internal Audit or Regulators
Synthesis and preparation of Quality Assurance Reports to ICM business management that communicate and measure results and identify negative trends and potential solutions
Support the In-Business QA function in the establishment of WCR IBQA policies, procedures, risk assessment and controls to drive effective QA coverage and standards
Support the QA Head of Real Estate and Structured Credit Underwriting to stay abreast of relevant changes to rules/regulations and other industry news including regulatory findings
Support the Global Head of WCR In-Business QA on internal projects and initiatives
Support ICM Voice of the Employee (VOE) initiatives
Proven culture carrier

Requirements:

Demonstrable quality control / quality assurance experience, including 5 - 7 years in banking, credit risk management, credit risk internal audit, loan review or quality assurance function at a large financial institution, established rating agency, or equivalent
Familiarity with risk management and controls frameworks related to credit risk management or another financial risk discipline
Ability to understand policies and procedures and execute change seamlessly
Understanding of complex counterparty credit product structures, and ideally versed in securitization and credit financing products such as ABS, CLOs, TRS and Commercial Real Estate, etc.
Background on core credit analysis and underwriting for large corporate and finance industries and awareness of risks and controls associated with credit approvals
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
Data analysis skills are desirable
BA/BSc or higher degree in Business (MBA), or any other related subject

Nice to have:

Evolving interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
Excellent written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
Ideally, experience in preparing presentations for senior stakeholders

What we offer:

Equal opportunity employment
Reasonable accommodation for disabled individuals

Additional Information:

Job Posted:
November 14, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Institutional Credit Management, In-Business Quality Assurance - Real Estate and Structured Credit Underwriting