Assistant Vice President, Consumer Credit Risk Job at Citi (Mumbai)

Assistant Vice President – Third Party Risk Oversight specialist - TPRO - Consumer Credit Risk

The AVP – Third party risk oversight role is responsible for owning and enhancin...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

8+ years of experience in Risk management, third-party risk, vendor risk/management or credit risk with a large financial institution
US banking regulatory expectations
Prior experience operating with consumer credit risk or closely related risk domains
Extensive background in managing critical suppliers and regulated third-party relationships
Experience active as a risk/process oversight owner or leading risk platforms, frameworks, or governance models
Bachelor’s degree in related fields
Working knowledge of Vendor relationship management / Vendor risk management/ TPRO
Growth mindset with ability to balance risk, compliance and business enablement
Excellent stakeholder management and executive communication skills
Ability to challenge vendors and internal partners constructively

Job Responsibility

Product ownership and strategy: Own the end-to-end product vision for third-party risk oversight tools, processes, and controls within consumer credit risk
Own the TPRO vision, roadmap, and backlog, ensuring alignment with Citi risk policies and enterprise standards
Translate regulatory guidance, Citi policies, and risk requirements into User stories, controls, and functional requirements into scalable risk oversight solutions
Prioritize initiatives based on risk severity, regulatory commitments and business impact
Third-party Risk oversight: Oversee risk assessment lifecycle for third-party vendors, including: Inherent risk assessments, Due diligence (financial, operations, cyber, data privacy, model risk), Ongoing monitoring and periodic reviews
Ensure critical and high- risk vendors undergo enhanced oversight and governance
Maintain a risk-tiered vendor inventory aligned with consumer credit risk exposure
Supplier and contract management: Ensure supplier contracts meet regulatory, risk and control standard, including: SLAs, KPI, audit and access rights, data protection, information security, confidentiality, BCP/DR (business continuity planning/ Disaster recover), subcontractor and fourth-party controls
Track contract milestones, renewals, terminations and renegotiations
Proactively identify contracts nearing expirations and drive timely renewals or exit strategies

Fulltime

Assistant Vice President – Consumer Credit Risk (Rules Build and Testing)

The Assistant Vice President (AVP) within Consumer Credit Risk plays a critical ...

Location

India , Pune

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor’s degree in Finance, Risk Management, Economics, Information Technology, or a related field
Master’s degree or relevant professional certifications (Credit Risk, Analytics, Software Testing) preferred
7+ years of experience in consumer credit risk, consumer banking, or financial services
Hands‑on experience in credit risk rules build and/or credit risk testing and validation within decisioning platforms
Experience supporting credit line management, authorization, or consumer credit risk strategies
Strong knowledge of credit risk management concepts, credit products, and end‑to‑end decisioning processes
Proficiency in Jira, SAS (Base and Advanced), with experience in SAS FMS / SAS Raptor preferred
Strong SQL skills
experience working with large transactional datasets
Solid statistical knowledge and ability to analyze authorization or decision data to identify trends and anomalies

Job Responsibility

Analyze, design, and implement credit risk rules and strategies supporting credit line increase/decrease, authorization decisions, and credit risk decision actions (e.g., disclosures, letters, reason codes, adverse action requirements)
Build, enhance, and maintain rules within credit risk decisioning platforms, including SAS‑based tools (e.g., SAS FMS / SAS Raptor)
Execute unit testing for all rule build activities to validate logic, data usage, and outcomes prior to broader testing phases
Serve as a subject matter expert on Business Object Model (BOM) data used for rule execution, reporting, and analytics
Support production deployments, daily jobs, and monitoring processes to ensure strategies execute as intended
Identify, troubleshoot, and resolve production issues through root cause analysis and collaboration with technology teams
Develop and execute comprehensive test strategies, test plans, and test scripts for credit risk models, decision engines, and business rules
Validate the functional, operational, and regulatory accuracy of new and existing credit risk strategies prior to deployment
Oversee defect identification, tracking, resolution, and retesting, ensuring timely and accurate remediation
Ensure testing coverage reflects all relevant risk factors, decision logic, and compliance requirements

Fulltime

Credit Risk Analytics - Assistant Vice President

The Credit Portfolio Senior Analyst is an intermediate-level position responsibl...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

7+ years of relevant experience
Knowledge of consumer risk analytics and credit abuse
Prior experience in Python is an added advantage
Ability to apply credit and risk principles toward business goals
Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
Proven ability to remain organized in a fast-paced environment, managing multiple projects
Proven interpersonal, organizational and analytic skills
Bachelor's degree/University degree or equivalent experience

Job Responsibility

Contribute to the development of new techniques and improvement of processes and work-flows
Develop recommendations to adjust credit policies by analyzing credit and financial performance
Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses
Research customer and/or management queries using risk systems and data
Participate in developing, testing, and optimizing credit policies
Manage risk levels for the entire credit spectrum across multiple products and retail formats
Prepare risk management presentations for senior management
Appropriately assess risk when business decisions are made

Fulltime

Sales Surveillance Sr. Analyst - Assistant Vice President

Location

India , Chennai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

8+ years of prior experience in control, compliance, risk or regulatory management in the banking or credit card industry
Thorough understanding of a sales environment including key behavior drivers and motivating factors
Strong organization and time management skills with the ability to produce high quality work under rigid time constraints
Excellent analytical and critical thinking ability and strong decision-making skills to assess and dimension inherent risk and materiality of issues identified and associated required corrective or remediation actions
Ability to work through ambiguity and piece together data points and information in a cohesive and logical manner to assist in reaching conclusions
Strong organization, prioritization, and time management skills with the ability to produce high quality work under rigid time constraints
Experience using Microsoft Office tools – Excel, PowerPoint, Word, and SharePoint
Excellent written and oral communication skills with demonstrated ability to clearly articulate issues

Job Responsibility

Execute assigned surveillance activities according to published productivity standards and deliver prompt, thorough, objective, and accurate analysis, and dispositions
Ensure overall data capture quality and timeliness, especially in description and classification of risks, supporting evidence, motivation determinations and matter lifecycle statuses
Manage production to service level agreements to ensure timely assessment execution and reporting of risks within the business area under surveillance
Maintain and apply a strong working knowledge of the consumer financial products and services sales environment including product design, scorecard and compensation, promotions, and campaigns
Proactively recognize these elements as behavior influencers in risk assessment activities
Make use of data and information from varying systems, repositories, and documents to develop a thorough understanding of the business area under Surveillance including analysis and identification trends, anomalies, outliers, red-flags and risks
Engage in the use of computer assisted assessment tools and techniques to drive high efficiency and effectiveness in surveillance processes
Participate in identification, escalation, investigation, and discussion of potential ethics issues, identify possible risk mitigation actions, and coordinate engagement with owners and stakeholders for substantiated matters
Develop and maintain effective relationships with oversight, business, and functional management to ensure a clear understanding of identified and substantiated risks, causes, potential solutions, and required actions
Influence management in the development of effective and sustainable corrective action and remediation plans as applicable and maintain oversight of corrective actions and remediation plan status to completion

Fulltime

Loss Forecasting and Analytics - Vice President

The Loss Forecasting and Analytics team is a critical group responsible for calc...

Location

India , Mumbai; Haryana

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10+ years of experience in product program governance and risk management frameworks, with a strong preference for experience in cards/unsecured credit space and in loss forecasting and credit analysis
Strong analytical and quantitative statistical skills to identify, assess, and monitor consumer portfolio credit risks
Proficiency with SAS, Python, and R for extracting data from large datasets and performing statistical analysis
Thorough knowledge of credit source systems, collateral reporting systems, and end reporting/warehousing
Good knowledge of Citi products, risk processes, and controls with a solid understanding of regulatory requirements and risk management frameworks
Project management knowledge and experience working with diverse stakeholders to achieve milestones and deadlines, with the capability to manage multiple projects concurrently
Proven relationship management skills, with the ability to deepen relationships and build partnerships across the business, executive leadership, and key functional support areas (e.g., Government Affairs, Communications, Legal, Compliance, Control, in-business Risk, and Independent Risk)
Excellent proficiency in Microsoft Office Suite, particularly Excel (for metrics and data analysis), PowerPoint (for presentation decks), and Word (for procedural and technical documentation)
Demonstrated financial and risk reporting knowledge and experience from business and/or technical areas
Broad understanding of classifiable and delinquency managed credit and operational policies and procedures

Job Responsibility

Lead and execute risk financial loss forecasting efforts, including the design, development, and maintenance of complex credit loss and financial risk forecasting models for consumer credit products (e.g., Cards, Personal Installment Loans)
Conduct in-depth statistical quantitative analysis of cost of credit and delinquency trends, monitoring product trends to identify key areas of risk and opportunity within product portfolios
Analyze underlying model outputs against business expectations, ensuring models provide rational, logical, and accurate predictions
Identify, track, and report on initiatives, performance results, and emerging trends to senior management, providing actionable insights
Reconcile detailed financial data from disparate sources across covered portfolios, ensuring accuracy for presentations and memos prepared for regulators, business leaders, and external auditors
Provide strategic analytics and information management across Citibank products, ensuring data quality and control standards are maintained
Establish and nurture cross-functional partnerships and networks to support effective loss forecast execution
Prepare and deliver compelling presentations with supportive analysis, storyboarding results, and leading discussions with senior management, Finance, Independent Risk, and audit teams as part of business review and effective challenge processes
Assist with regulatory reviews and ensure best-in-class governance and documentation practices for these functions
Identify opportunities for improvement in Business-as-Usual (BAU) processes and drive efficiency through simplification and automation using tools such as VBA, SAS, Python, AI, and other relevant technologies

Fulltime

New

Social Worker – Fostering - Family and Friends Team

Are you passionate about working with Family and Friends Carers and improving th...

Location

United Kingdom , Aylesbury

Salary:

40109.00 - 47629.00 GBP / Year

Buckinghamshire Council

Expiration Date

July 20, 2026

Requirements

Social work qualification
Active SWE registration
Completed ASYE
Working knowledge of legislation and guidance which applies to family and friends work
Experience of working in looked after children or with foster carers
Knowledge of research, inquiries and recent studies affecting this sector of service and an ability to monitor its application in practice
Strong written communication skills
Minimum of 2 years post qualifying experience
Experience and competence in working with the courts and providing written and verbal evidence

Job Responsibility

Deliver targeted and specialist social work services in the area of Kinship Care
Clarify eligibility and undertake statutory social work assessments
Promote the safety and well-being of children and young people
Assess and support prospective Family and Friends carers in line with Fostering Regulations and court proceedings
Hold a manageable caseload of SG and Reg24 assessments
Provide carer support
Work within statutory guidelines and fostering regulations
Assist with duty with opportunities to deliver training, run support groups and be involved in the organisation of carer events
Support the development and growth of the service

What we offer

Market premium of £2,750 per annum for Grade 7
Golden Hello payment after one years service (£1,000 for Grade 6, £2,125 for Grade 7)
Competitive salary with a market increment
Annual leave up to 30 days per year
Opportunity to buy further leave
Up to 15 days per year training, learning and development offer
Free parking across all office sites
Relocation packages available
Generous employer pension contribution
Discounts on Cafés, restaurants and shops

Fulltime

New

Spanish Speaking Caregiver

Join Our Team as a Caregiver in Lake Ariel, PA! *Earn Up to $14hr + Extra Cash T...

Location

United States , Lake Ariel

Salary:

14.00 USD / Hour

CareGivers America

Expiration Date

Until further notice

Requirements

Must be willing to work in Lake Ariel
Fluent in English, bilingual English/Spanish preferred
Availability to work Wednesday, Thursday, Saturday, and Sunday 6am-6pm
Reliable transportation required
Must be able to travel up to 25 miles to client locations

Job Responsibility

Bring comfort and companionship to clients in their homes
Help with daily care like bathing, dressing, toileting, and meals
Keep living spaces clean, safe, and welcoming
Offer medication reminders and support healthy routines
Communicate concerns and escalate safety issues as needed
Be a friendly face and a steady presence

What we offer

Paid Orientation
Weekly Pay
Flexible Schedules
Earn up to $375 for referring a friend
Caregiver Rewards Program
Premium Holiday Pay
Paid Time Off + Benefits including medical, dental, vision, and retirement
Free Employee Assistance Program
Discount Perks
Career Growth

New

Early Years Consultant

Join our Early Years Service, where we champion the joy of learning for the youn...

Location

United Kingdom , Aylesbury

Salary:

36317.00 - 37780.00 GBP / Year

Buckinghamshire Council

Expiration Date

July 02, 2026

Requirements

Educated to degree level or minimum three years equivalent experience in a similar managerial role
Excellent knowledge and first-hand experience of planning and delivering the EYFS
Experience of supporting vulnerable children including those with SEND and working with their families
Excellent planning and organisational skills
Excellent interpersonal skills
Proven ability to negotiate, inspire and maintain highly effective working relationships
Skilful communicator with ability to engage and influence customers, partners and stakeholders

Job Responsibility

Support providers to deliver the EYFS
Work with providers to meet the needs of all children including those from vulnerable groups and those with SEND
Ensure providers deliver high quality inclusive education
Offer advice and support to ensure early years practitioners deliver an inclusive Early Years Foundation Stage curriculum and meet the requirements of the SEND Code of Practice 2014 and Equality Act 2010
Provide comprehensive support and advice to providers on safeguarding, child protection and the management of allegations against the workforce, along with sustainability, sufficiency, and finance
Contribute to the work of the Early Years Service, ensuring sufficiency of places
Support the early years sector and childcare sector with high quality training, facilitating networking groups and providing advice and support to a full range of Early Years and Childcare providers

What we offer

Fair and inclusive culture
Health and well-being initiatives including Employee Assistance Programme, Mental Health First Aiders and mindfulness workshops
Unified voice through Employee Representative Group
Ongoing support and opportunity to develop and progress in career
Opportunities to take part in fun activities such as fundraising and social events
Flexible and agile working arrangements
Discounts on various cafes, restaurants, shops
Auto enrolment onto generous Pension Scheme
Opportunity to gain membership to Costco
Discounted gym memberships

Fulltime

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Assistant Vice President, Consumer Credit Risk

Job Description

Job Responsibility

Requirements

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