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Institutional Credit Management Product Developer - Artificial Intelligence

India, Mumbai · Job Posted March 21, 2026
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Job Description

The Product Manager will join our mission to transform how Citi manages Wholesale Credit Risk (WCR), specifically focusing the development of a new platform utilizing Emerging Technologies, among others Generative and traditional AI, to manage how we make origination decisions and perform credit monitoring. The wholesale lending products under focus include Corporate Lending, Leverage Finance, Real Estate, Securitization, Treasury and Trade Solutions, and more. As a Product Manager, you will be a part of a new organization named Institutional Credit Management (ICM), which was recently formed to transform the way Citi manages the extension of wholesale credit to institutional clients. ICM is a global group focused on re-imaging credit control process, policies, and technology to manage the wholesale lending process end to end. Within ICM the Underwriting Product Management function is responsible for managing and developing credit risk strategies and platforms as they pertain to risk appetite management, client engagement, origination decision making, and credit monitoring. Additionally, the product manager is responsible for managing requirements and development activities that will create a user centric experience to meet the needs of differing business lines, regions, and regulatory demands. With the new Emerging technologies available in current market key responsibility of ICM Product Manager is to develop new use cases and capabilities how to utilize these new technologies within both current and new platforms and processes while increasing data quality, process controls and efficiency.

Job Responsibility

  • Partner with various ICM colleagues and risk managers to develop origination and credit monitoring strategies for managing credit risk in a timely, accurate and complete manner.
  • Utilize modern Emerging technologies for simplification, automation, quality control leading to improvement in Efficiency of internal processes and systems.
  • Launch and manage new Products, Projects and Initiatives utilizing Emerging technologies and ensure both technical and governance deliveries of these efforts.
  • Effectively navigate from the strategic to the requirement level, enabling the design team to confidently execute designs informed by user needs
  • Lead a set of products working groups to maintain outcome-based roadmaps and sequencing, review progress towards OKRs, and track risk dependencies and issues.
  • Conduct design workshops that enable collaboration and conceptual solutions, while serving diverse personas
  • Leverage journey-based design strategies to drive an overall product design process and validate prototypes into production, including visual design and content strategy.
  • Drive digital transformation by re-engineering operational business processes, focusing on optimizing target state processes and end to end workflow orchestration with technology empowerment.
  • Follows market, industry, and client trends to own field and adapts them for application Citi’s products and solutions platforms.

Requirements

  • Bachelor’s degree in business / equivalent or technology related field
  • 6-10 years of relevant experience
  • Expert knowledge in various software development methodologies, and project management concepts (e.g., requirements creation, feature identification, and user story writing)
  • Knowledge about Generative AI and Traditional AI. Key features, strong and weak points of these technologies and Experience with their implementation in existing processes.
  • Ability to independently lead projects through strategy, design and implementation phases and being accountable for the direct financial impact of the initiatives
  • Ability to present various Projects and Product to senior leadership in understandable and capturing way
  • Basic knowledge of programming in Python is advantage
  • Familiarity in a front office, middle office, or operational capacity supporting the credit lifecycle execution or related transformation efforts in wholesale lending
  • Demonstrated ability to translate end user needs into tangible work products that technology engineers can move forward to develop (e.g. Process Flows, Requirements, Design Artifacts, Screen Mockups, etc.)
  • Track record of working across multiple stakeholders and collaborating with various technology partners

What we offer

  • Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more.
  • Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.
  • We offer our employees resources and tools to volunteer in the communities in which they live and work.

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