Retail Credit Policy – Assistant Vice President

Citi is seeking an experienced and motivated professional to join its Risk Management team as a Credit Review Senior Analyst. This role plays a critical part in evaluating and improving credit risk management practices. The successful candidate will contribute to UAE Wealth CG/CPC Risk team in identifying, monitoring, and mitigating emerging credit risks. This position requires strong analytical capabilities, independent judgment, and leadership experience in credit risk or related areas. The role will provide analytical and project support to Unsecured Credit Policy team, help produce internal reporting, and contribute to key presentations and regulatory deliverables. The ideal candidate will have in-depth credit knowledge, experience in risk systems and metrics, and the ability to coach junior team members while managing complex credit risk reviews and business monitoring activities. What you’ll do * Assess the effectiveness of Citi’s credit risk management practices and support identification and mitigation of credit risk across unsecured portfolios * Analyze credit risks by utilizing reports, scorecards, risk systems, and expert judgment * Evaluate moderately complex and variable credit issues with significant business impact * Balance potentially conflicting data sources and develop actionable credit risk strategies * Lead or support the preparation of Credit Portfolio Scorecards and trend analysis reports * Assist with Business Monitoring and Review activities * Prepare internal presentations for management and regulatory stakeholders * Promote ethical decision-making and support risk and control issue transparency across the firm What we’ll need from you * 5–8 years of relevant credit experience, preferably in a financial institution * Bachelor’s degree (or equivalent experience) in Finance, Accounting, Economics, Computer Science, or a related field * Intermediate to advanced proficiency in Microsoft Office tools (Excel, PowerPoint etc.) * Strong English written and verbal communication skills * Excellent time management, organizational, and analytical abilities * Experience with SQL and fluency in Arabic is a plus \------------------------------------------------------ ## Job Family Group: Risk Management \------------------------------------------------------ ## Job Family: Portfolio Credit Risk Management \------------------------------------------------------ ## Time Type: Full time \------------------------------------------------------ ## Most Relevant Skills Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. \------------------------------------------------------ ## Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. \------------------------------------------------------ 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.