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Credit Portfolio Senior Manager

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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:

Not provided
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Job Description:

The C13 VP (Team Lead) is a senior risk leader responsible for owning portfolio-level credit risk outcomes while leading a team of risk professionals. The role combines hands-on strategic risk ownership, deep analytics, and people leadership, serving as a key decision-maker and advisor to senior business and risk leadership.

Job Responsibility:

  • Own end-to-end credit risk strategy for assigned credit card portfolios
  • Define and manage risk appetite, performance thresholds, and escalation triggers
  • Personally lead analysis and decision-making for high-impact or complex risk topics
  • Translate portfolio performance into loss, profitability, capital, and balance-sheet impact
  • Own enterprise ECM strategy across CLI, CLD, authorization controls, and line management
  • Define risk-based segmentation frameworks using behavioral, transactional, and bureau signals
  • Balance customer experience, spend growth, and loss containment
  • Ensure ECM actions align with regulatory, fairness, and reputational standards
  • Ensure ECM strategies are consistent with loss targets and growth objectives
  • Own risk strategy for new account acquisition across channels and products
  • Approve underwriting thresholds, segmentation, and targeting strategies
  • Evaluate early lifecycle performance including FPD and early delinquency
  • Challenge business growth initiatives to ensure risk-adjusted returns
  • Partner with Product and Marketing as a senior risk advisor
  • Act as policy authority for complex and high-impact credit decisions
  • Lead analytics and recommendations for: Underwriting thresholds
  • Policy overlays and exceptions
  • Risk controls and interventions
  • Represent credit risk in senior governance forums, audits, and reviews
  • Ensure strong documentation, transparency, and regulatory alignment
  • Serve as a senior model consumer for application, behavior, and collection models
  • Interpret model outputs using expert judgment, recognizing limitations and bias
  • Recommend policy, segmentation, or strategy compensations where model gaps exist
  • Support model refresh, validation, and governance processes
  • Own portfolio loss forecasting and scenario analysis
  • Assess portfolio sensitivity to macroeconomic, regulatory, and policy changes
  • Lead stress testing and sensitivity analysis for senior risk leadership
  • Drive proactive risk actions during periods of economic uncertainty
  • Personally lead deep-dive analytics on complex or ambiguous risk problems
  • Design analytical frameworks to answer novel or unstructured risk questions
  • Challenge assumptions, validate findings, and apply expert judgment
  • Set analytical best practices adopted by broader teams
  • Shape enterprise credit risk standards and best practices
  • Contribute to firmwide initiatives across portfolios and geographies
  • Provide informal mentorship and technical guidance to senior analysts and AVPs
  • Drive simplification, consistency, and innovation in risk frameworks

Requirements:

  • 10–18+ years of experience in credit card risk, consumer lending, or portfolio risk management
  • Bachelor’s or Master’s degree in Statistics, Economics, Mathematics, Engineering, or related quantitative fields
  • Demonstrated leadership of high-performing analytical teams
  • Expert-level understanding of credit card risk lifecycle and risk economics
  • Advanced analytics expertise (SQL, SAS/Python, portfolio analytics)
  • Strong command of risk modeling concepts (as a model consumer)
  • Exceptional executive storytelling and decision framing skills
  • Proven ability to lead teams while retaining hands-on ownership
  • Strong strategic judgment with enterprise perspective
  • Ability to influence without authority
  • High comfort engaging with senior executives and committees
  • Strong ownership mindset and accountability for outcomes

Additional Information:

Job Posted:
March 19, 2026

Employment Type:
Fulltime
Work Type:
Hybrid work
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