Credit Risk Review (CRR) provides independent, objective, reliable, valued and timely assurance to the Boards, the Committees, the Citigroup Chief Risk Officer (“Citigroup CRO”), Citibank CRO, senior management and regulators over the effectiveness of credit risk management and the ability of the Business and independent Risk Management to identify, monitor and mitigate current and emerging risks across Citigroup and Citibank.
The Credit Risk Review Senior Group Manager is responsible for leading a team of professional credit reviewers (including C14 Senior Lead Reviewers, C13 Credit Reviewer, and Analysts) and independently managing all aspects of assigned Review Entities. Responsibilities include execution of Business Monitoring and Reviews in accordance with the CRR Manual, monitoring and evaluation of portfolios, strategies, and credit risks, assessment of the effectiveness of credit risk management of assigned businesses, proposal of pragmatic solutions to risk and control issues, and maintaining ongoing contact with a Review Entity’s senior management through continuous Business Monitoring and corrective action follow-up where applicable. The role also incorporates leading the team in the effective use of Citi-approved AI-enabled tools to enhance analytical depth, streamline review execution, and strengthen trend identification while maintaining full reviewer judgment.
Key responsibilities:
Management and leadership of CRR Review Entities through quarterly Business Monitoring and periodic Reviews, including direct supervision, coaching, and development of a team of C14 Senior Lead Reviewers, C13 Credit Reviewers, and Analysts
Assessment of the effectiveness of credit risk management at Citi and the ability of the Business and Independent Risk to identify, monitor and mitigate current and emerging credit risks across Citigroup and Citibank
Assessment of the quality of assigned portfolios and relationships, including identification and evaluation of emerging risks
Assessment of the quality and adequacy of credit analysis and exposure analysis as well as accuracy and appropriateness of risk ratings and classifications of corporate, commercial and high-net worth relationships
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Assessment of the effectiveness of the credit risk processes and standards of assigned Review Entities to promote leading practices and identify opportunities for improvements
Assessment of Business and Risk staffing levels to determine the effects on assigned Review Entities, as well as managing team capacity and resource allocation
Preparation and approval of Credit Assessment Documents in accordance with and at the quality standards required by the CRR Manual and Review Guides, incorporating AI tools as appropriate for drafting support, document comparison, and consistency checks
Approval of relationship-level file testing prepared by CRR Wholesale Analysts, Guest Reviewers, and C13/C14 Credit Review Officers
Evaluation of the appropriateness of Corrective Action Plans resulting from Reviews or Business Monitoring, and subsequent validation of the effectiveness of the same after implementation by the Business
Accountability for the quality, consistency, and timely delivery of teamwork products that include Credit Assessment Documents, Sample Rationale Documents, and CRR Wholesale Review Reports created for the assigned Review Entities
Support Head of CRR Wholesale and Segment Heads on regional and/or global tasks and strategic initiatives
Proactive communication to Segment Heads, Team Leads, Head of CRR Wholesale, and CRR Senior Management of any concerns, systemic control issues, and/or emerging risks that impacting the assigned Review Entities
Travel required (25% to 50% depending on Region and portfolio complexity)
Knowledge/Experience:
Demonstrable financial services experience including 15+ years of credit experience in corporate, commercial, or retail banking
Proven track record of managing, coaching, and leading professional credit review or risk management teams, preferably in a global or multi-regional environment
Work experience in Banking, Finance, Accounting, Economics, Business Administration or similar with credit or financial statement analysis experience
Good knowledge of capital markets products, including derivatives
Expert in risk analysis and risk management processes for one or more products and lending areas
Fully conversant in credit policy matters with proven sound judgment
Regulatory experience or relevant experience in a similar role at another institution is desirable
Skills/Competencies:
Advanced analytical skills, with the ability to identify root causes and trends and anticipate horizon issues
Ability to recognize emerging risks, including operational risk
Proven project management skills, with the ability to coordinate and manage large review teams and complex review schedules in different regions
Excellent written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority, including executive management and regulators
Proven ability to build and maintain relationships and exert influence without direct authority
Knowledge of Citi's organization and systems preferred
Proficient in Microsoft Office (Word, Excel, and PowerPoint) and comfortable leading teams in the use of AI-enabled productivity, drafting, and analytics tools consistent with Citi’s policies
Language skills preferred, depending on region
Qualifications:
BA/BSc or higher degree in Business (MBA), Finance or any other related subject
Senior Credit Officer qualification or equivalent is highly preferred
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.
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