Institutional Credit Management (ICM) Product Developer - Artificial Intelligence (AI), Assistant Vice President
Citi · Mumbai, Maharashtra, India
- On site
- Full-time
- $150,000 / year
- Mumbai, Maharashtra, India
Job highlights
- Develop AI solutions for credit risk transformation.
- Build and deploy Generative AI proofs of concept.
- Collaborate with cross-functional teams on AI products.
- Manage AI product lifecycle and roadmap.
- Drive digital transformation using emerging technologies.
About the role
About the Role
Citi is seeking a high-caliber professional to join our team as an Assistant Vice President, Institutional Credit Management (ICM) Product Developer with a focus on Artificial Intelligence (AI). This role is based in Mumbai, India, and offers a hybrid work arrangement. You will be instrumental in transforming how Citi manages Wholesale Credit Risk (WCR) by leveraging emerging technologies, including Generative and traditional AI.
About Institutional Credit Management (ICM)
The ICM group is dedicated to revolutionizing the way Citi extends wholesale credit to institutional clients. We are rebuilding the end-to-end credit control process, policies, and technology to create a user-centric platform that caters to diverse business lines, regions, and regulatory demands.
Key Responsibilities
- Drive the implementation of AI, Generative AI, Agentic AI, and Machine Learning capabilities within credit risk transformation activities.
- Develop Proofs of Concept (PoCs) for identified use cases, including high-level architecture design and code implementation.
- Collaborate with engineering, data science, and design teams to assess feasibility, scalability, and technical trade-offs of AI/ML solutions.
- Refine the product roadmap based on advancements in ML algorithms, GenAI models, and AI regulatory guidelines.
- Oversee the complete AI product lifecycle from ideation to launch, monitoring, and enhancements.
- Lead product experiments such as A/B testing and pilot programs to validate AI/ML solutions.
- Utilize modern Emerging technologies (AI/GenAI) for simplification, automation, and quality control to improve internal process efficiency.
- Launch and manage new products, projects, and initiatives using AI/GenAI, ensuring technical and governance delivery.
- Lead product working groups to maintain outcome-based roadmaps, track OKRs, and manage risks and dependencies.
- Drive digital transformation by re-engineering operational business processes, focusing on optimizing target state processes and workflow orchestration.
- Stay informed on market, industry, and client trends and adapt them for Citi's products and solutions.
Credit Risk Activities in Scope for Transformation
- Originations & Amendments
- Periodic Assessment and Client Monitoring
- Portfolio Limit Setting and Management
- Client Management and Servicing
- Core Services (Financial Spreading, Collateral Management, Covenant Monitoring, etc.)
Qualifications and Skills
- Master's/Bachelor's degree in Business or a technology-related field.
- 3-5 years of relevant experience.
- Hands-on experience as a Data Scientist or AI/ML Engineer with a passion for building impactful products.
- Expert knowledge of Generative AI, Agentic AI, and Traditional AI, including their strengths, weaknesses, and implementation experience.
- Proven ability to lead projects independently through strategy, design, and implementation phases, being accountable for financial impact.
- Ability to present complex projects and products clearly to senior leadership.
- Basic-intermediate Python knowledge is advantageous.
- Familiarity with front office, middle office, or operational roles supporting the credit lifecycle in wholesale lending.
- Demonstrated ability to translate user needs into tangible work products for technology development.
- Track record of collaborating with multiple stakeholders and technology partners.
Key skills/competency
- Artificial Intelligence (AI)
- Generative AI
- Machine Learning (ML)
- Product Development
- Credit Risk Management
- Python
- Agile Methodologies
- Data Science
- Product Management
- Wholesale Lending
Skills & topics
- Product Developer
- Artificial Intelligence
- AI
- Generative AI
- Machine Learning
- Credit Risk
- Product Management
- Data Science
- Python
- Wholesale Lending
- Assistant Vice President
- Mumbai
- Hybrid
How to get hired
- Tailor your resume: Highlight AI, Generative AI, and credit risk experience.
- Showcase project leadership: Emphasize your ability to lead AI initiatives from strategy to implementation.
- Demonstrate technical skills: Detail your experience with Python, ML, and data science.
- Understand Citi's mission: Align your application with their focus on digital transformation and client excellence.
- Prepare for interviews: Be ready to discuss AI use cases and stakeholder collaboration.
Technical preparation
Master Generative AI and Agentic AI concepts.,Build AI/ML PoCs with Python coding.,Understand credit lifecycle and risk management.,Design high-level architecture for AI solutions.
Behavioral questions
Describe leading AI projects from start to finish.,How do you translate user needs into technical requirements?,Share an example of collaborating with diverse teams.,How do you present complex technical information clearly?
Frequently asked questions
- What is the primary focus of the Institutional Credit Management (ICM) Product Developer role at Citi?
- The primary focus of the ICM Product Developer role at Citi is to leverage Artificial Intelligence (AI), including Generative AI and Machine Learning, to transform and enhance the management of Wholesale Credit Risk (WCR). This involves developing and implementing AI-driven solutions for various credit lifecycle activities.
- What kind of AI experience is required for the Product Developer - AI position at Citi Mumbai?
- The role requires expert experience and knowledge in Generative AI, Agentic AI, and Traditional AI. Candidates should have hands-on experience implementing these technologies and a passion for building high-impact AI products within the credit risk domain.
- What is the work arrangement for the Assistant Vice President, ICM Product Developer role at Citi?
- This Assistant Vice President position at Citi in Mumbai operates under a hybrid work arrangement, allowing for a blend of in-office and remote work.
- What educational background is preferred for this AI Product Developer role at Citi?
- A Master's or Bachelor's degree in Business or a technology-related field is preferred for this role. Practical experience and demonstrated skills in AI and product development are also crucial.
- How does Citi support employee growth and development in this Product Developer role?
- Citi offers extensive on-the-job training, exposure to senior leaders, and access to a wide array of learning and development resources. They are committed to supporting employees' career progression and skill enhancement.
- What are the key credit risk activities that this AI Product Developer role will transform at Citi?
- The role will focus on transforming key credit risk activities including Originations & Amendments, Periodic Assessment and Client Monitoring, Portfolio Limit Setting and Management, Client Management and Servicing, and Core Services like Financial Spreading and Collateral Management.
- Is Python programming experience necessary for the Product Developer - AI position at Citi?
- While not strictly mandatory, a basic-intermediate level of knowledge in Python is considered an advantage for this role, especially given the hands-on nature of building AI solutions and PoCs.
- What does Citi mean by 'Emerging Technologies' in the context of this role?
- In this context, 'Emerging Technologies' primarily refers to advanced AI capabilities such as Generative AI, Agentic AI, and Machine Learning, which are being utilized to innovate and improve credit risk management processes.