In-Business Quality Assurance – Credit Processes (Vice President)

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Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 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, In-Business Quality Assurance – Credit Processes - Hybrid (Internal Job Title: Quality Assurance, Monitoring & Testing Lead Analyst  - 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.  For instance:

• 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. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world.

Institutional Credit Management (ICM) is a critical First Line of Defense (1LoD) function within Citi, responsible for end-to-end management of Wholesale Credit Risk (WCR). ICM spans multiple products, geographies, and client segments (including Wealth), ensuring that robust controls and disciplined credit risk processes are applied consistently across the firm.

The In-Business Quality Assurance (QA) team within ICM independently assesses the effectiveness of Citi’s credit risk execution. It reviews the quality of key credit processes—such as underwriting, documentation, collateral valuation, and approvals—and provides management with insights to drive risk mitigation, process improvement, and policy adherence.

We are seeking a Vice President to join the In-Business QA team, focusing on Credit Processes with extended responsibilities across Wealth credit. This role also demands a forward-thinking approach to automation and digital enablement, leveraging tools like Python and data analytics to modernize QA practices.

This role reports to the In-Business Quality Assurance – Credit Processes SVP

In this role, you’re expected to:

• Support the Portfolio Lead and QA Head on the execution of Quality Assurance Reviews (QARs) for the coverage universe comprising of Transaction Management, Collateral Risk Management, Credit Risk Management Services and Wealth Loan Processing & Transaction Management functions, contributing to an improvement of controls and a reduction in residual risk
• Assist in developing and implementing robust testing strategies, leveraging data analysis, automation, and AI technologies to enhance the efficiency, coverage, and effectiveness of QA activities
• Provide credible challenge to front-line credit execution teams and escalate material issues with clear root cause analysis and risk-based recommendations.
• Deliver high-quality review outputs, communicating findings to staff and senior stakeholders through clear, concise reporting.
• Manage relationships with key stakeholders including Quality Assurance Directors (QADs), Function Heads and Business Subject Matter Experts.
• Lead or support process automation and tooling efforts (e.g., Python, Alteryx, Excel VBA) to enable scalable and data-driven QA testing.
• Ensure QAR findings and action plans are followed through to resolution, consistent with Citi’s governance and regulatory expectations.
• Contribute to the continuous improvement of QA frameworks, methodologies, and risk assessments across global regions.
• Mentor junior QA team members and contribute to the development of technical capabilities and a strong control culture.
• Assist in other QARs across WCR In-Business QA as required
• Support ICM Voice of the Employee (VOE) initiatives
• Travel (less than 10%)

As a successful candidate, you’d ideally have the following skills and exposure

• 5-10 years of experience in wholesale credit risk, loan operations, internal audit, or quality assurance at a global financial institution
• Deep understanding of wholesale and wealth credit processes, including credit execution, documentation, and collateral management
• Proven ability to evaluate and communicate control gaps, process risks, and areas of enhancement
• Familiarity with regulatory expectations and risk governance frameworks
• Basic knowledge and experience on designing and implementing robust Quality Assurance framework, from execution of scripts and procedures, development of housing infrastructure and database maintenance, reporting to senior management of observed findings, and continuous improvement, working closely and independently to the IBQA Heads of WLCR/CCR/Data and Function Heads
• Proficient understanding of policies and procedures with the ability to execute change seamlessly

Skills/Competencies:

• Strong analytical and data interpretation abilities.
• Strong communication and stakeholder engagement skills—written, verbal, and presentation.
• Commitment to continuous improvement and innovation within the QA function.
• High integrity, control orientation, and ability to foster a culture of excellence and accountability.
• Advanced proficiency in Microsoft Office (Excel, PowerPoint, Word); experience with data visualization or analytics tools a plus
• Qualifications: 
• BA/BSc or higher degree in Business (MBA), or any other related subject 
• Training or certification in QA, credit risk, internal audit, or automation technologies is an advantage.

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. A career with us means joining a family of more than 230,000 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.

Take the next step in your career, apply for this role at Citi today

https://jobs.citi.com

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Job Family Group:

Controls Governance & Oversight

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Job Family:

Quality Assurance, Monitoring & Testing

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Assurance Strategy, Communication, Constructive Debate, Controls Assessment, Controls Lifecycle, Policy and Procedure, Risk Remediation, Stakeholder Management.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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