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Job Overview



Job Role

Risk Manager

Gender preferred

No Preferences

Functional Area

BFSI (Credit & Risk)

Career Level

Qualified Professional - Experienced

Work preferred

Work from Office


Min Experience

8 Years

Max Experience

10 Years



Any Graduation

Post Graduation

CA - Qualified, MBA/PGDM



  • Ensure accuracy and integrity of credit data submitted to RBI, Statutory Audit and CIC in a timely manner and in accordance with the Bank’s credit policy and extant RBI norms
  • Manage credit risk data quality and reporting in Citi’s risk systems (OPTIMA, Credit Engine)
  • Drive automation of reports by working with the technology team. Closing out on requirements by closely coordinating & guiding the technology team to deliver the report with accurate output
  • Ensuring adherence of IRAC (Income recognition and Asset classification) Norms for delinquent SMA/NPA accounts & timely reporting to RBI
  • Ensure there are strong controls and processes to monitor regulatory exposure limits viz. Sensitive Sectors (real estate, capital markets), NBFC, Borrowing limits to ensure exposures are tracked within the thresholds specified in Local credit policy and extant regulations and timely reporting of breaches to Senior Management
  • Managing the deliverables relating to RBI inspection, Statutory Audit, Head Office Internal Audit etc. Interact with internal and external auditors in providing timely information to the queries and data requirements
  • Partner with the Technology team to drive automation within the reporting processes.
  • Ensure timely and comprehensive escalation and follow through mechanism for resolving issues concerning data inaccuracy and delays in regulatory and global reporting
  • Achieves business goals/targets for all internal and external audits/reviews
  • Manages CI and Collections MCA and QAF programs by ensuring that they are updated as necessary, controls are tested per required frequency, root cause analysis is done for issues/gaps detected and issues are raised in iCAP as necessary
  • Discusses test results with Unit Heads and Credit Ops Director and prepare Summary of Issues


  • Advanced analytical, organizational and interpersonal skills with an eye for detail
  • Advanced spreadsheet and modeling skills with sound knowledge of technical system architecture for suggesting and implementing enhancements which assist the unit head to derive efficiencies
  • Up to date on new developments viz. policies, regulatory changes by reading extensively, building cross functional expertise in other areas of CRMS
  • Strong interpersonal skills, including ability to work independently, multitasking, demonstrate attention to detail & meet timelines
  • Highly proficient written and verbal communication skills, including ability to communicate concisely, removing uncertainty and ability to coordinate within teams across businesses
  • Analytical and problem-solving skills
  • Ability to manage, partner and drive complex projects with internal departments and/or third-party vendors
  • Have a solution-oriented approach
  • Sound understanding of robotics/AI, this is to allow for ideation and further implementation of such tools in markets operations 

Required Qualifications: 

  • 8-10 years of relevant experience
  • CA (1st attempt) / MBA – Tier 1 only
  • Knowledge of BFSI sector
  • Working knowledge of risk management concepts


Chartered Accountant(CA)MBARisk ManagementComplianceRoboticsStatutory AuditCredit RiskData Quality

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