Job Description

Business Overview

Citi Commercial Banking ("CCB") is one of the fastest growing, most dynamic businesses among Citi's strategic priorities in the Asia Pacific region. As a global bank of choice for trade-oriented and mid-sized enterprises, not only do we provide our bankers with a true gateway to best-in-class product offerings in the industry, we also develop our talent for an enriching career that is built on deepening relationships with clients and exposure to the latest market developments not just locally, but across the 11 CCB Asia geographies.

Citi Commercial Bank (CCB) in India, with approximately USD250MM in revenue, is a full-service commercial bank catering to a wide range of clients across industries. Dedicated to building and maintaining long-term partnerships with entrepreneurs from a wide range of industries, the ultimate goal of CCB India is to provide clients with customized solutions to their businesses.

Business Highlights:

Target market up to USD3billion of turnover

Product offering across entire suite of Citi products (e.g. TTS, FX, CMO)

Provider of working capital and growth capital to asset client base

Responsibilities

Primary objective of the Commercial Bank Head is to develop, manage and grow a sustainable Commercial Bank franchise in the country.

Implement an effective business strategy, product & process capability, a strong value proposition and marketing infrastructure for the target market.

Close partnership with risk to ensure that the right credit approach (program and procedures) are in place to allow sound growth of the credit portfolio, avoid negative selection and maintain desired portfolio quality.

Full responsibility for P/L of the commercial business, i.e. revenues, expenses, allocations, CoC and adequate returns on capital as well as sound operating efficiency - drive a balance scorecard.

Responsibility for quality of the credit portfolio, origination in line with target market, problem recognition and CoC within Plan.

Act as Senior Sponsoring Officer for some of the largest clients in CCB.

Maintain a sound control environment with respect to compliance, legal and regulatory factors both internally and externally.

Leverage the domestic and overseas network for MNC flows and build cross-border business for CCB APAC in partnership with other CCB countries

Drive cross-sell and manage down red zone portfolio

Provide supervisory support and guidance to RMs/BDs supporting the portfolio.

Ensure the right value proposition is in place for the two customer sub-segments managed in CCB: Middle Market and SME

Establish adequate pricing policies for the different customer segments to drive adequate returns at the customer level.

Alignment and close partnership with products (Markets and TTS) to ensure continuous product development for CCB customers.

Leadership / Supervisory Responsibilities

Ability to direct the activities of individuals and groups, by developing commitment and teamwork, and providing focus on a business objective. It includes creating and communicating a common vision, providing active support and guidance in the accomplishment of tasks/objectives & leading from the front.

People Focus:

Lead and motivate the team. Develop, coach and counsel the team & ability to offer growth assignments to HIPOS

Define and drive career plans of top/key talent in CCB India

Ability to build bench-strength and up-tier banker quality

Work with Country and Regional Talent and Learning Team to define and drive training program for CCB India

Skills Requirements

Demonstrates thought leadership. Ability to create longer term and advisory based relationships with relevant stakeholders i.e Clients / Credit / Risk etc.

Strong financial analysis skills and credit maturity

Excellent market knowledge and connections that would facilitate identification and evaluation of deals / decisions

Strong Analytical, Product, Risk Assessment and Credit Skills.

Knowledge of banking regulations, processes, policies and systems

Ability to select appropriate communication channel for delivery of the message when addressing diverse audiences i.e Products / TTS / FX / Risk / Credit

People Management/ Leadership Skills: Instill trust in subordinates and allow them to learn and grow; seeks opportunities for staff within the organization to be visible and gain recognition

Ability to question existing practices, conceptualize change, align people towards the end goal.

Qualification

Bachelor degree in Finance, Accounting, Economics or related Business Management tertiary qualifications or MBA, Finance, Accounting, Economics or related Business Management tertiary qualifications is required

Strong performance as a Commercial or Corporate Banker with minimum of 15 years' experience in customer Relationship Management.

10 years' experience in managing a business with P&L responsibilities

At least 5 years of people management experience

SCO qualification (for internal candidates) - Strong credit background and strong knowledge of the Citi risk process/ culture.

Market knowledge and external network will be an asset

In-depth knowledge of credit, loan, trade finance, cash management and liabilities product, with exposure to CMO & IB transactions



Job Family Group: Business Strategy, Management & Administration



Job Family: Business Management



Time Type: Full time



Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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