Vice President Credit Portfolio Officer

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. 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.