At Citi, we get to connect millions of people across hundreds of cities and countries every day. And we've been doing it for more than 200 years. We do this through our unparalleled global network. We provide a broad range of financial services and products to our clients – whether they be consumers, corporations, governments or institutions – to help them meet their biggest opportunities and face the world's toughest challenges. We’re currently looking for a high caliber professional to join our team as Vice President,
Credit Portfolio Senior Manager, Hybrid based in Gurugram, India. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future.
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This position is within Citi’s USPB In-Business Unsecured Lending Risk. This role will develop, implement and monitor credit policy strategies and capabilities for new account originations across the Unsecured lending portfolios (Cards, Personal Loans, Merchant
Installment Loans, Lines of credit). You will be responsible for ensuring that credit strategies are analytically sound, compliant with regulatory expectations, and aligned with bank’s risk appetite and growth objectives.

In this role, you are expected to:

• Support design, development & optimization of the acquisition credit policies for a $150B+ portfolio that generates 15MM new accounts annually
• Perform quantitative analyses to assess risk-adjusted return, risk segmentation, and tradeoffs in acquisition policy changes
• Prepare proposals and review with the stakeholders within Risk, document the effective challenge and incorporate inputs in revising the proposal
• Collaborate with digital and marketing teams on channel specific underwriting policies
• Partner with modeling team on new tools, machine learning and alternate data
• Develop a testing framework to deploy learnings faster using repeatable playbooks and monitoring routines
• Track and report on initiatives, performance results, emerging trends and opportunities to senior management
• Ensure adherence to internal and external regulatory expectations
• Respond to effective challenge from second line
• Serve as SME for audits, model use and implementation of strategies
• Ensuring strategies are executed in a strong control environment

We will be thrilled to have someone who is

• An experienced credit policy manager – who has the vision and can adapt to changing technology and the demands of the governance and regulation.
• Creative –who can take a concept and give it shape and structure. Is not afraid to ask questions and loves playing with new ideas.
• Has good Judgment – knows when something does not add up and is not right. Has attention to details and can get into the weeds when needed.

As a successful candidate, you’d ideally have the following skills and exposure:

• 10+ years of experience in credit risk management or lesser with relevant experience in acquisitions credit risk
• Experience in the financial services industry preferred
• Demonstrated accountability for delivery of a full range of services to one or more businesses/geographic regions
• Consistently demonstrate clear and concise written and verbal communication
• Proven negotiation skills often used at a senior level
• Demonstrated ability to synthesize, prioritize and drive results with urgency
• Ability to obtain support and buy-in across a wide range of internal and external audiences

Education:

• Bachelor’s/University degree in statistics, mathematics, economics, or equivalent experience. Master’s/PhD degree is a plus

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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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.

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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.

 

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