C13 - Individual Contributor

Credit Card Credit & Portfolio Risk Management C13 Vice President (IC Role)

Location: India

Overall Objective

This senior Individual Contributor role targets an experienced professional in US Consumer Credit Risk Analytics. This individual will be a subject matter expert in analytics, providing data-driven insights for strategic decision-making within Risk. The role demands deep analytical acumen, hands-on technical proficiency, and the ability to translate complex data into clear, actionable intelligence.

Key Responsibilities

Acquisition & New Account Risk Analytics

• Lead the risk assessment of acquisition strategies across channels and products within the US Consumer Credit Card business.
• Collaborate with Product and Marketing teams to optimize risk-adjusted acquisition growth.

Existing Customer Management (ECM) Analytics

• Manage analytical execution of ECM strategies (CLI, CLD, authorization rules, line management) for defined portfolios/segments.
• Provide recommendations on risk–return trade-offs for ECM initiatives, balancing loss mitigation, spend growth, and customer experience

Portfolio Monitoring & Strategic Insights

• Shape enterprise credit risk standards and best practices and contribute to firmwide initiatives across portfolios
• Drive simplification, consistency, and innovation in risk frameworks.
• Design, develop, and maintain high-quality MIS reports and dashboards for tracking and business trend insights.

Qualifications

Required Skills

• Expertise in Credit Risk Analytics and Portfolio Risk Analytics;
• Exceptional analytical and quantitative skills; extensive experience in statistical modeling and data analysis.
• Strong business acumen; ability to translate data into actionable business insights.
• Excellent communication and presentation skills, capable of explaining complex

Technical Skills

• Programming: Expert in SAS or Python for data analysis.; Visualization Tools: Experience with Python visualization or other tools (e.g., Tableau, Power BI) is a plus.

Experience

• 10+ years as a high-performing Individual in a major bank or financial institution

Education

• Bachelor’s/University degree in statistics, mathematics, economics, or an equivalent quantitative field.
• A Master’s/PhD degree in a relevant discipline is a significant plus.

------------------------------------------------------

Job Family Group:

Risk Management

------------------------------------------------------

Job Family:

Portfolio Credit Risk Management

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

------------------------------------------------------

Other Relevant Skills

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.

 

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.