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

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Job Family Group:

Risk Management ------------------------------------------------------

Job Family:

Portfolio Credit Risk Management ------------------------------------------------------

Time Type:

Full time ------------------------------------------------------

Most Relevant Skills

Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle. ------------------------------------------------------

Other Relevant Skills

Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------

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.

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