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Assistant Vice President, Consumer Credit Risk

https://www.citi.com/ Logo

Citi

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Location:
India , Mumbai ▼

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Category:
Finance

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Contract Type:
Not provided

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Salary:

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Job Description:

The Assistant Vice President (AVP) roles within Consumer Credit Risk are pivotal positions responsible for safeguarding the integrity, compliance, and operational excellence of credit risk management activities. These roles collectively ensure that critical credit data is accurately managed, integrated, and utilized, adhering to stringent regulatory requirements while fostering continuous innovation and cross-functional alignment.

Job Responsibility:

  • Data Management & Governance: Overseeing the end-to-end lifecycle of credit risk data
  • Ensuring accuracy, integrity, security, and quality of data
  • Implementing robust data governance frameworks and controls
  • Managing data integration from various sources, especially third-party credit bureaus
  • Regulatory Compliance: Ensuring strict adherence to legal and regulatory standards (FCRA, OCC, CFPB, Federal Reserve)
  • Applying compliance across all data processes, systems, and reporting
  • Risk Management: Identifying, assessing, and mitigating risks related to data quality, credit risk models, and regulatory non-compliance
  • Implementing strong controls and proactive monitoring mechanisms
  • Cross-Functional Collaboration & Stakeholder Engagement: Acting as a key liaison and collaborating with internal stakeholders (e.g., Risk, IT, Compliance, Legal, Finance, Business units)
  • Engaging with external parties (vendors, regulators, auditors) to align credit risk strategies and operational objectives
  • Innovation & Continuous Improvement: Leading initiatives to drive automation, enhance efficiency, and improve scalability of data management, testing, and compliance
  • Leveraging emerging technologies such as AI/ML
  • Strategy and Operations: Contributing to the development and implementation of credit risk strategies
  • Optimizing data usage and managing vendor relationships
  • Ensuring operational excellence in credit risk processes

Requirements:

  • Bachelor's degree in a relevant field (Finance, Risk Management, IT)
  • Master's degree or specialized certifications (credit risk, data governance, financial analysis) are highly advantageous
  • Proven experience in consumer credit risk management or financial services
  • Deep understanding of credit risk models, decisioning systems, and regulatory reporting
  • Strong capabilities in data analysis, data integration, and managing complex data sets
  • Proficiency with relevant technical tools and platforms (e.g., SAS, SQL)
  • Strong analytical mindset to interpret complex data and identify issues
  • Ability to provide actionable insights and drive effective solutions in dynamic environments
  • Exceptional verbal and written communication skills
  • Ability to convey complex information to diverse audiences (senior leadership, technical teams, external stakeholders)
  • Demonstrated leadership potential and ability to influence and collaborate effectively
  • Solid understanding of the regulatory landscape affecting credit reporting and risk management
  • Experience in ensuring compliance

Additional Information:

Job Posted:
December 31, 2025

Work Type:
Hybrid work
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