Job Description
**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.
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**Job Family Group:**
Risk Management
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**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.
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_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 (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)_ _._
_View Citi’s_ _EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy)_ _and the_ _Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)_ _poster._
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.
**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 (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)_ _._
_View Citi’s_ _EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy)_ _and the_ _Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)_ _poster._
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.
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