Vice President – Consumer Credit Risk (Rules Build and Testing) Job at Citi (Pune)

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

Retail Credit Policy - Vice President

The Credit Risk Portfolio Manager is a management-level position responsible for...

Location

India , Chennai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

8-12 years of progressive experience in retail credit risk management, consumer lending, or a related financial discipline, preferably within a large financial institution focusing on credit cards and personal loans
Bachelor's degree in Finance, Accounting, Economics, Computer Science, or a related field
Advanced proficiency with analytical and data manipulation tools (e.g., SAS, SQL, R, SPSS) for large consumer datasets and behavioral analysis
Demonstrated experience with econometric and statistical modeling or application risk scoring specifically for retail credit products (e.g., credit card risk models, behavioral scoring, fraud detection models in consumer lending)
Proven ability to work with large datasets, understanding probabilities/distributions, and building decision trees and regression models relevant to consumer credit risk
Thorough knowledge of the retail credit lifecycle, including origination, underwriting, account management, collections, and its interdependencies
Excellent time management, organizational, analytical, and strong quantitative skills
Superior written and verbal communication skills, with the ability to present complex information clearly and concisely to diverse audiences, including senior management and regulatory bodies
Proficiency in Microsoft Office Suite, particularly Excel and PowerPoint

Job Responsibility

Strategic Leadership & Policy Development: Effectively leads and oversees multiple policy change implementation projects specific to retail credit products, providing end-to-end support within the Risk Management Organization
Establishes and refines operating policies and procedures related to credit approval and verification, credit card fraud prevention, delinquency and loss management, and overall consumer lending strategies
Team and Resource Management: Conducts managerial responsibilities including coaching, mentoring, and escalation as needed within the retail credit risk team
Ensures continuous process improvement and efficiency initiatives are identified and implemented to support business unit goals in consumer lending
Credit Risk Oversight & Analysis: Drives the assessment of Citi's credit risk management practices and leads the identification and mitigation of credit risk across unsecured retail portfolios (e.g., credit cards)
Analyzes complex credit risks using advanced reports, scorecards, risk systems, and expert judgment, with a particular focus on behavioral scoring models, application fraud detection, and collections strategies relevant to retail products
Oversees post-implementation validation for Credit Implementations and develops robust test plans to ensure business policy changes are effectively validated within the retail lending context
Portfolio Performance & Reporting: Conducts periodic and ad-hoc analyses on retail credit portfolio performance for Risk Governance Assessments
Business Growth & Risk Strategy: Identifies business opportunities, develops sophisticated credit tests and risk strategies, balancing risk and return for retail products
Collaborates with cross-functional teams to ensure flawless execution of policy tests and strategies across the consumer lending lifecycle

What we offer

Learn About Global Benefits (see Global Benefits section mentioned but not detailed)

Fulltime

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Ai Engineer

We are recruiting an AI Engineer for a direct contract with a company based in t...

Location

Portugal , Porto

Salary:

Not provided

Precise

Expiration Date

Until further notice

Requirements

2+ years experience working within a software development team as an engineer
Comfortable writing and debugging code in Python. You understand the importance of readable code and are eager to learn best practices.
Familiarity with frameworks like FastAPI, Flask, or Django, with experience developing and exposing/consuming APIs.
Understanding of containerization and exposure to Docker.
Comfortable using Git for team collaboration (Gitlab pipelines exposure is a plus).
Machine Learning Fundamentals: Foundational knowledge of ML concepts and practical experience (academic or personal projects) deploying a simple model using libraries like scikit-learn, PyTorch, or TensorFlow.
Experience manipulating and analyzing data using libraries such as Pandas and NumPy.
A strong desire to learn MLOps principles, cloud infrastructure, and deployment practices (Kubernetes exposure is a plus).
BSc in Computer Science or a related technical field.

Job Responsibility

Implementing solutions for building and deploying AI models in production, with a focus on fault tolerance, scalability, maintainability and automation.
Leveraging modern LLM’s to include/enhance parsing capabilities for CVs/job adverts for existing supported languages and new additional languages.
Collaborating with the team to design, implement and optimise data processing pipelines and evaluation tools.

Fulltime

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Branch Manager

Come and join us as a results driven Branch Manager to deliver sales and exceed ...

Location

United Kingdom , Lymington

Salary:

Not provided

City Plumbing

Expiration Date

Until further notice

Requirements

A great positive attitude
Enjoy customer interaction
Management Experience
Safe Practices
Forward Thinking
Tenacity and resilience
A pro-active approach to sales, with a strong desire and ability to win and grow new business
Experience of customer relationship management and developing a true partnership approach
Excellent communication skills
Self confident and self motivated, with the ability to work on own initiative or as part of a wider team

Job Responsibility

Effective management of the team and resource
Setting the standard of a sales orientated culture
Delivering against sales and customer demands while maximising profitability
Maximising margin and net profit
Keeping everyone safe
Build and maintain relationships with new and existing trade and retail customers
Ability to interpret and analyse financial and statistical information

What we offer

Bonus
Discounts, savings and cash back at numerous retailers
Life assurance
Extended family policy including maternity, paternity, additional annual leave and more
Mental Health First Aiders and Employee Assistance Programme, we look out for each other
Complete induction and a company that lets you grow and encourages development
Financial education and loans
Flexible working options
A business striving to create an environment of inclusion so everyone can be their true self

Fulltime

New

Guest Environment Expert

Our jobs aren’t just about giving guests a clean room and a freshly made bed. In...

Location

United States , Poughkeepsie

Salary:

18.00 USD / Hour

Marriott Bonvoy

Expiration Date

Until further notice

Requirements

Ensuring a safe work place
following company policies and procedures
maintaining confidentiality
upholding quality standards
ensuring professional uniform, personal appearance, and communications
ability to stand, sit, or walk for an extended time
ability to move, lift, carry, push, pull, and place objects weighing less than or equal to 50 pounds without assistance

Job Responsibility

Delivering guest requests
stocking carts
cleaning rooms and public spaces
maintaining the appearance and cleanliness of the whole hotel

Parttime

New

Project Engineer

Our client is seeking a motivated and experienced Project Engineer to join their...

Location

United Kingdom , Dartford

Salary:

30000.00 GBP / Year

Office Angels

Expiration Date

Until further notice

Requirements

Proven construction based industry experience, (ideally within Smoke Ventilation/Fire Alarm Systems but not essential)
Computer literate with strong reporting and organisational skills
Excellent interpersonal and communication skills
Ability to multitask and manage cross-disciplinary projects
Strong time management and decision-making abilities
Professional, presentable, and self-motivated
Team-oriented with a commitment to exceeding client and colleague expectations
Full UK Driving License required, ideally with your own transport

Job Responsibility

Assist in the development and delivery of Risk and Method Statements
Compile detailed project reports covering quality, progress, and issues
Measuring up for install jobs and conducting Coordinate on-site deliveries to ensure smooth logistics
Support the accounts team with project-related financials and debt collection
Monitor project costs and provide financial updates, including profit/loss analysis
Communicate effectively with subcontractors and ensure alignment with project goals
Manage resources according to the client's program and track project progress
Ensure all documentation and certification is accurate, complete, and submitted on time

What we offer

23 days annual leave plus bank holidays, rising to 25 days annual leave at 2 years service
Company mobile phone
uniform and PPE
Life Insurance
Private Health Care
Pension Scheme

Fulltime

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Sales Assistant

Come and join us as a results driven Sales Assistant on a flexible hours basis t...

Location

United Kingdom , Woking

Salary:

12.71 - 13.93 GBP / Hour

City Plumbing

Expiration Date

September 07, 2026

Requirements

A great positive attitude
Teamwork
Enjoy customer interaction
Flexibility
Ideally you’ll have previous experience of selling or assisting customers with purchases, ideally with knowledge of the products associated with our industry - although enthusiasm and a can-do attitude is just as important
Flexible with working hours
Full, clean driving licence may be required

Job Responsibility

Supporting the Branch Manager and Assistant Branch Manager with achieving and exceeding sales targets at optimum margins
Ensuring we maintain high standards, creating and maintaining a loyal customer base and providing a first class service
Assisting with the general duties within the branch such as serving customers on the trade counter, telesales and ensuring the housekeeping standards are maintained both on the trade counter and warehousing
You may be required to take on general driving duties when required

What we offer

Bonus
Discounts, savings and cash back at numerous retailers
Life assurance
Extended family policy including maternity, paternity, additional annual leave and more
Mental Health First Aiders and Employee Assistance Programme
Complete induction and a company that lets you grow and encourages development
Financial education and loans
Flexible working options

Parttime

New

Sales / Project Estimator

Our client, a UK leader in the design, installation, and maintenance of smoke ve...

Location

United Kingdom , Ashford, Kent

Salary:

45000.00 GBP / Year

Office Angels

Expiration Date

Until further notice

Requirements

GCSE Maths and English (Grade C/4 or above, or equivalent)
Proven experience as an estimator, preferably within the smoke ventilation sector
Established client relationships in the industry
Experience in the commercial sector is preferred but not essential

Job Responsibility

Analyzing tender enquiry drawings, fire strategy, and specifications to determine the scope of work
Quantifying materials and labour needed for projects based on tender information
Preparing and submitting precise quotations
Updating quotations throughout the tender process as new information arises
Identifying technical and commercial project risks
Reviewing contracts to ensure consistency with tender information
Preparing schedules of rates and costs for payment applications
Conducting design checks to ensure alignment with the agreed scope of work
Finalising budgets for live projects
Liaising with team members at various project stages to meet cost and budget requirements

What we offer

23 days + Bank Holidays annual leave allowance (increases with service)
Private Medical Insurance
Pension
Training and Development opportunities
parking
team and company social events

Fulltime

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

Job Description

Job Responsibility

Requirements

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