Retail Credit Policy

About the role

Retail Credit Policy team at Citigroup’s UAE Wealth CG/CPC Risk unit builds and refines credit risk frameworks for unsecured portfolios. The Assistant Vice President leads analysis of credit risk using scorecards, reports, and expert judgment, drives mitigation strategies, and prepares regulatory presentations. Based in DLF CYBERCITY 12B, India, the role operates in a hybrid model with onsite collaboration.

What you’ll do

• Assess effectiveness of credit risk management practices
• Analyze credit risks using reports, scorecards, and risk systems
• Evaluate complex credit issues with business impact
• Develop actionable credit risk strategies
• Lead preparation of Credit Portfolio Scorecards and trend analysis reports
• Assist Business Monitoring and Review activities
• Prepare internal presentations for management and regulatory stakeholders
• Promote ethical decision-making and risk transparency

What you’ll bring

• 5–8 years credit experience in a financial institution
• Bachelor’s degree in Finance, Accounting, Economics, Computer Science or related field
• Intermediate to advanced proficiency in Microsoft Office (Excel, PowerPoint)
• Strong English written and verbal communication
• Excellent time management, organizational, and analytical abilities
• Experience with SQL

Nice to have

Fluency in Arabic is a plus

Skills

Benefits

• Leadership and coaching of junior team members
• Project support for Unsecured Credit Policy team
• Preparation of key presentations
• Ethical decision-making
• Risk transparency across the firm