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SVP, Credit Risk Oversight Digital Transformation Senior Business Analyst - C14

Job Req ID 22565492 Location(s) Mumbai, India; Pune, India Job Category Risk Management
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About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients.

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As part of Personal Banking and Wealth Management (PBWM) Credit Risk Strategy and Execution (CRSE) function, this role will lead key strategic initiatives focusing on risk policy, monitoring, oversight process and controls analysis, definition of future state approach for digitization including methodology and requirements for platforms, analytics, calculations, dashboards and workflows.  It will also focus on risk oversight process transformation and digitization covering 15+ processes including RAF, Limits, breaches, Policy approvals, performance and policy exceptions, benchmarks etc., across number of programs.

This role will ensure compliance to all consumer risk framework requirements according to Heightened Standards. This is achieved by performing assessment of various consumer risk framework components and identifying enhancement opportunities and independent review / monitoring of key consumer risk processes that impact overall framework compliance. The responsibilities also include risk framework digitization strategic business requirements, and transformation / digitization target state definition and alignment with consumer risk framework – with continuous partnership with 1st and 2nd lines of defense.

Key Responsibilities:

  • Contribute to the delivery of multiple risk oversight transformation / digitization programs requirements – including all phases of discovery, business requirements documents, interaction with Technology development, providing expertise during user testing, and achieving final operationalization with all required controls and procedures
  • Analyze and evaluate current risk management business processes, anticipate requirements, and identify areas for transformative / digitization improvements
  • Lead ongoing reviews of business processes and develop optimization strategies for assigned programs
  • Analyze and derive insights from large amounts of complex information, to make informed business decisions
  • Articulate the transformative improvements as business requirements for platforms, analytics, calculations, dashboards and workflows
  • Become the subject matter expert (SME) on consumer risk framework, be able to provide educated opinion on how policy and process enhancements within PBWM will impact compliance with consumer risk framework and Heightened Standards
  • Perform deep-dives, peer reviews, & on the ground support for risk management processes transformation / digitization requirements; serve as a subject matter expert and primary point of contact that the organization can leverage for expertise and advice
  • Act as thought leader in all aspects of governance, risk management and internal controls and work proactively with Retail Risk colleagues to provide valued and timely consumer risk management services and support
  • Regularly and effectively communicate with senior stakeholders, both verbally and written, the strategic vision of target state consumer risk framework digitization, as well as progress of path to strong effort
  • Provide effective challenge to owners of consumer risk framework processes and partner with them to enhance such processes when required
  • Enforce consumer independent risk exam and issue management framework, ensuring high quality deliverables to satisfy Internal Audit’s requests and issues are being addressed timely
  • Design and perform quality assurance testing of transformation / digitization deliverables
  • Identify thematic areas of review / analysis of emerging risks and share with key stakeholders


  • Bachelor's degree required
  • Superior communication, presentation, articulation and negotiation skills
  • Strong analytical, critical thinking, and problem-solving abilities
  • 10+ years of experience preferred in a mix of the following functions: risk management and oversight, strategic consulting, or policy and risk framework
  • Experience in consumer / retail credit risk preferred
  • Good understanding of industry best practices in risk framework, governance, and oversight process
  • Experience with complex projects with diverse stakeholder groups
  • Strong presentation and communication skills, especially in power-point format
  • Ability to influence senior stakeholders including CROs and MDs
  • Comfortable with independent review and challenge
  • Excellent judgment and independent decision-making ability
  • Strong attention-to-details


Job Family Group:

Risk Management


Job Family:

Risk Policy


Time Type:

Full time


Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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.

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