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.

Experience10+ 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.

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