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

Job Req Id:
25914765
Location(s):
Mumbai, Maharashtra, India
Job Type:
On-Site/Resident
Posted:
Oct. 10, 2025

Discover your future at Citi

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

The ICM In-Business Quality Assurance function (QA) verifies that established standards and processes are followed and consistently applied. ICM Management uses the results of the quality assurance reviews to assess the quality of the group's policies, procedures, programs, and practices as relates to the management of wholesale credit risk. The results help management identify operational weaknesses; risks associated with the function, training needs, and process deficiencies.

The ICM Head of In-Business Quality Assurance reports results of Quality Assurance Reviews (QARs) providing feedback, insight, and observations on any deficiency and areas of improvement, engaging with the management of the respective business area, Independent Risk, and critical partner stakeholders and regulators. 

This role reports to the ICM Head of FI underwriting In-Business Quality Assurance Head.

In this role, you’re expected to:

  • 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 in accordance with the coverage universe.
  • 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.
  • Under the supervision of the Markets In-Business Quality Assurance Functional Head, support execution of the following:
  • Consistent and objective assessments during QARs
  • 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
  • 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.
  • Support the Global Head of WCR IBQA on internal projects and initiatives.
  • 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:

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. 

Technical: 

  • Advanced Microsoft Office (Word, Excel, and PowerPoint) skills 

Qualifications:

  • BA/BSc or higher degree in Business (MBA), or any other related subject 

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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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.

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