
VP-Risk QC Credit Officer - C13
- Job Req Id:
- 25874906
- Location(s):
- Mumbai, India
- Job Type:
- Hybrid
- Posted:
- Jul. 27, 2025
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Job Overview
The Credit Risk Officer provides full leadership and supervisory responsibility. Provides oversight of the QC audit process, teams, and partners with the business. Applies in-depth disciplinary knowledge through provision of value-added perspectives. Develops processes, procedures, and plans within the overall function. Strong communication and diplomacy skills are required as well as ability to work with multiple business functions. Will have responsibility for quality, timeliness of audits and accurate reporting. Will monitor quality as a whole ensuring results remain within risk appetite.
Responsibilities:
Performs oversight of the audit function for High Net Worth, Ultra High Net Worth and Portfolio lending.
- Responsible for managing Risk and Controls and maintaining quality expectations set forth by the organization.
- Integrates in-depth credit underwriting background of complex transactions for HNW and UHNW clients with a solid knowledge of industry standards and practices.
- Uses sound judgment to oversee more complex audit reviews and provide feedback to teams.
- Develop, conduct and host meetings with Senior level management as well as attend meetings with cross-functional business partners and contribute to meeting content.
- Analyze data, provide root cause analysis, generate accurate reports on a regular basis as well as facilitating ad-hoc reporting as needed in support of changes.
- Interact with and present to regulators, GSE’s and internal audit as needed. Attend various Regulatory Meetings, exam preparation meetings on behalf of Credit Risk to evaluate impacts.
- The ability to communicate, both in writing and verbally, with various organizational levels, complimented by a strong customer service ethic and team orientation is required.
- Ability to appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
Qualifications:
- 10+ years previous consumer Mortgage underwriting experience.
- Extensive mortgage industry knowledge related to credit worthiness, regulatory requirements, agency/non-agency (including portfolio, HNW and UHNW) and FHA/VA guidelines is required.
- Exceptional skills in creating Power Point Presentations, Excel Spreadsheets and Word Documents required.
- Must be highly ethical and work with integrity.
- Excellent verbal and written communication skills as well as effective listening skills.
- Able to work across all levels in Risk Management and also with other Governance/Controls and business teams.
- Excellent Presentation skills – adept at presenting effectively to audiences of various sizes and adapting style as necessary. Many presentations will be with Sr. Leaders.
- Able to work with key decision makers across various levels and functions within the organization.
- Able to work in a rapidly changing environment, on multiple projects while supporting the audit team as a whole.
- Position will require strong organizational skills and attention to detail.
- Strong ability to analyze data and provide root cause analysis, identify trends, and recommend actions.
Education:
Bachelor’s/University degree or equivalent professional experience.
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Job Family Group:
Risk Management------------------------------------------------------
Job Family:
Credit Decisions------------------------------------------------------
Time Type:
Full time------------------------------------------------------
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.------------------------------------------------------
Other Relevant Skills
Credible Challenge, Data Analysis, Laws and Regulations, Management Reporting, Referral and Escalation, Risk Remediation.------------------------------------------------------
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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