Reporting To:

Business Risk and Controls Lead – Cards and Unsecured Lending Sales

Job Description

The Analyst will provide support to Risk Assessment and Control Design Lead for the Cards and Unsecured Lending Sales. This role is instrumental in assisting with the design, development, and continuous enhancement of Citi's comprehensive controls program for unsecured lending products. The incumbent will be responsible for providing in-depth analysis and support for assessing control effectiveness, driving risk mitigation strategies, ensuring adherence to regulatory and internal policies, and contributing to overall risk management excellence within the unsecured lending business, under the direct guidance of the Lead.

Responsibilities:

• Provide analytical support for the design and development of Citi's comprehensive controls program tailored for unsecured products.
• Support the assessment of existing controls' effectiveness within unsecured lending, identifying areas for improvement, and supporting the implementation of necessary changes.
• Proactively support and contribute to driving and managing controls enhancements focused on increasing efficiency and reducing risk within unsecured lending operations.
• Coordinate with key stakeholders and process owners to support management decisions aimed at maintaining operations within the bank’s policies and procedures, specifically for unsecured lending products.
• Assist in assessing the business/function risk appetite in line with changes in the business environment, regulatory requirements, and strategic objectives for unsecured lending.
• Support the collaboration with key stakeholders to analyze potential risks and support the development of risk mitigation activities for unsecured lending products.
• Partner with business and related functions in the coordination and analysis of the regulatory change management process relevant to unsecured lending.
• Support the execution of the Enterprise Risk Management Framework and adherence with Risk Management / Compliance Policies for unsecured lending.
• Provide analyst support and collaboration with business and functions to analyze control processes and identify potential areas for improvement within the unsecured lending domain.
• Support the Controls Lead to prepare and provide regular analytical updates to senior management on the performance of controls assessment and design for unsecured lending products.
• Provide analytical support to appropriately assess risk during business decisions for unsecured lending, considering the firm's reputation and compliance with applicable laws, rules, and regulations.
• Support the coordination of internal audits and regulatory reviews, providing necessary analytical support with audit and examination deliverables, and tracking engagements, issues, and Corrective Action Plans (CAPs) for unsecured product coverage.
• Contribute to the control function coverage for global risk management programs applicable to unsecured lending, such as EUC, Models, Operational Loss Management, New Product Approval, Digital Monitoring Tools, and Lessons Learned exercises.

Qualifications and Competencies:

• Minimum of 8-10 years of experience in regulatory change management, compliance, audit, or other control-related functions in the financial services industry.

• Demonstrated experience with regulatory inventory management and internal control programs.
• Strong understanding of relevant financial services regulations (e.g., AML, KYC, consumer protection, data privacy, prudential regulations) is highly valued.
• Exceptional analytical skills with the ability to interpret complex regulatory texts, assess their practical implications, and identify root causes of risk.
• Excellent written and verbal communication skills, with the ability to articulate complex issues clearly and concisely to diverse audiences, including senior management and regulators.
• Proven project management and organizational skills, with the ability to manage multiple priorities and meet tight deadlines.
• High level of attention to detail and accuracy.
• Proficiency in Microsoft Office Suite (Excel, PowerPoint, Word)
• Familiarity with the credit card and unsecured lending industry, including product structures and market dynamics, is a plus.

Education: Bachelor's/University degree or equivalent experience

Provide support to onshore Business Risk and Controls teams for the UAE Wealth business. Undertake activities and projects in line with direction of UAE Wealth Controls Head.

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Job Family Group:

Controls Governance & Oversight

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Job Family:

Assessment & Design

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Business Insights, Communication, Constructive Debate, Controls Lifecycle, Issue Management, Process Design, Program Management, Risk Management, Stakeholder Management.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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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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