Vice President, Consumer Credit Risk Job at Citi (Pune)

Senior Vice-President, Risk Reporting Sr. Officer

The Risk Reporting SVP role is responsible for global and independent risk repor...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10+ years of relevant experience
Strong understanding of consumer credit risk, wholesale credit risk, and related data
Track record of delivering complex projects related to data, aggregation, and reporting
Bachelor’s or Master’s degrees in business, finance, economics, computer science or other analytically intensive discipline (preferred)
Ability to synthesize complex data/analytics into succinct and effective presentations
Prior leadership in risk analytics, reporting/BI (Tableau, Python, and SAS) and data preferred
Ability to multi-task effectively in a dynamic, high-volume, and complex environment with a practical solutions-driven approach
Excellent verbal and written communication skills, with a proven track record of engagement with senior leadership teams
Strong interpersonal skills including influencing, facilitation, and partnering skills, able to leverage relationships and work collaboratively across an organization
Effective negotiation skills, a proactive and 'no surprises' approach in communicating issues and strength in sustaining independent views

Job Responsibility

Define and substantiate scope, identifying dependencies, and agreeing with stakeholders for Enterprise Data Use Case (UC) requirements
Document requirements for improving Retail Credit Risk, Wealth Risk, and Investment Risk data to support timely and effective Risk Management and Oversight
Lead the strategy, approach and automation of reporting, measurements, and analytics for all risk reports supporting the USPB and Wealth Risk CROs, Regulators, and Risk management
Work with the various project teams to ensure key milestones are achieved for each phase of the project including requirement documentation, UAT, production parallel and sustainability
Regularly and effectively communicate with senior stakeholders, both verbally and written, the strategic vision of target state risk management strategy, as well as progress of path to strong effort
Timely, quality, and compliant risk reporting, measurements, and analytics
Reporting rationalization and redesign to meet, leverage and align with path to strong transformation in progress – including revision of reports to adopt new/changing risk taxonomies and aggregation requirements, new systems of record and authorized data sources and new reporting/oversight infrastructure and BI/analytics tools, to deliver updated and new risk aggregations that meet changing organizational needs and regulatory/policy requirements
Work in close partnership with USPB Risk and Wealth Risk CAO peers, Risk Policy/Process owners and stakeholders across first and second line of defense to rationalize, simplify and digitize risk reporting
Design, coordinate, and prepare executive materials for USPB and Wealth CRO and management team’s senior presentations to the Board, risk committees, and regulators, including any ad-hoc materials
Partner with Independent Risk Management and In-Business/Country Risk Management to address new risk monitoring or regulatory requirements

What we offer

Access to telehealth options, health advocates, confidential counseling
Expanded Paid Parental Leave Policy
Programs and services for physical and mental well-being
Access to learning and development resources
Generous paid time off packages
Resources and tools to volunteer in the communities

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

Assistant Vice President - Structured Credit and Real Estate Underwriting

The Assistant Vice President will hold a critical role within the Structured Cre...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

3+ years of credit, portfolio management or structuring experience in a financial institution, rating agency, financial guarantor, or asset management firm
structured credit/securitization experience is a plus
Solid experience in structured products or credit analysis
Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and analysis of credit agreements and other legal documentation
Strong analytical and quantitative skills with ability to perform, review or critique credit analysis on complex transactions
Strong writing, presentation and interpersonal skills
Strong Microsoft Office skills. Modelling experience is a plus
Proven ability to work with little direction and in a team
Excellent attention to detail
Willingness to learn new products and programs

Job Responsibility

Monitor the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers and make appropriate recommendations with the aim of identifying and mitigating credit risks
Assist with classification and risk rating processes
Identify data trends & deteriorating asset performance
Keep abreast of industry/ market developments and customer-specific events
consult with the Business and Underwriting on any action plans per policies
Manage and report risk exposures to structured vehicles backed by various asset classes including Consumer Assets, Broadly Syndicated Loans, Middle Market Exposures within Institutional Clients Group, including derivatives exposures within the transaction
Perform in-depth fundamental credit analysis, by monitoring a company’s financial performance, risk metrics and compliance with performance triggers
Responsibilities include research, credit analysis, risk rating assessment and active monitoring of the portfolio to identify credit migration and may include assisting with quarterly portfolio reviews
Compose assigned annual review memos and generate reports as required to highlight portfolio metrics for internal and external regulators
Model transactions for risk rating and stress testing purposes

What we offer

Global Benefits
Best-in-class benefits
Work life balance

Fulltime

Vice President

This role is part of the In-Business Balance Sheet Management Team within USPB E...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10+ years of work experience in financial services or management consulting
Working knowledge of Risk Appetite Framework and Credit Risk Policy
In depth understanding of Credit Cards, Mortgage and other consumer bank products P&Ls, key risk & return dynamics, and loss drivers
Good understanding of Capital and Balance Sheet Management, CCAR & CECL framework
Experience with analytical or data management tools (e.g., SAS, SQL, VBA, Advanced Excel)
Excellent quantitative and analytical skills, ability to derive trends, insights, and perform
Preferred Master's degree in quantitative disciplines such as Financial Engineering, Operation Research, Econometrics, Statistics or similar quantitative discipline
OR MBA Finance

Job Responsibility

Lead analytics to manage Risk Appetite for Retail Credit and USPB business connecting to Capital & Strategic Plan
Perform stress loss forecasting in alignment with CCAR/CECL framework, evaluate drivers to stress losses support recommendations for Risk Appetite limits to the Business CRO and CEO for approval
Liaise with finance and business partners to evaluate forecasts as part of Outlook / Annual Plan, CCAR and implications to USPB capital-based stress losses, Risk Weighted Assets and other relevant balance sheet components
Advocate for appropriate capacity and attribution of Capital reflective of business contribution
Build sustainable business capabilities to proactively manage Risk Appetite limits
Support the team in ongoing initiatives aimed at optimizing capital utilization, enhancing balance sheet efficiency, and improving risk management practices
Be able to independently lead projects through tactical and strategic Risk Transformation Analytics projects

Fulltime

Vice President, Treasury

Affirm is reinventing credit to make it more honest and friendly, giving consume...

Location

United States

Salary:

340000.00 - 380000.00 USD / Year

Affirm

Expiration Date

Until further notice

Requirements

15+ years in financial services with significant Treasury or related experience (20+ years total professional experience)
BA/BS required
CFA or comparable certifications strongly preferred
Deep knowledge of structured finance products and markets, particularly in the consumer space
Proven experience executing corporate unsecured financing transactions
Advanced financial modeling skills, including framework development, validation, governance, integration, and automation
Strong background in interest rate derivatives, FX risk management, reporting, stress testing, and collateral requirements
Familiarity with asset-liability management, corporate capital structure optimization, FX and interest rate risk management, and SNL
Demonstrated success establishing robust Treasury processes and implementing Treasury management systems (e.g., GTreasury)
Experienced people leader with a track record of building and leading high-performing teams

Job Responsibility

Lead all aspects of Treasury across U.S. and international markets, ensuring robust cash management, funding, and financial and operational risk management practices
Ensure adequate liquidity to meet operational and strategic goals by developing funding plans, optimizing capital allocation, and maintaining strong governance and controls
Oversee periodic reconciliation, forecasting, and financial reporting activities, including managing the Treasury team’s involvement in information gathering, detailed validation, and thorough review of the company’s quarterly and annual corporate / SEC filings in partnership with Accounting, Strategic Finance (FP&A), and other cross-functional teams
Collaborate closely with Capital Markets, Engineering, Product, Credit Analytics, and Internal Audit on treasury-related and required reporting initiatives
Partner with Finance and leadership teams on the annual budget process, corporate capital structure optimization, and liquidity planning initiatives
Own the development and implementation of hedging strategies, cash reconciliation systems, bank connectivity tools, and treasury controls
Stay current on regulatory requirements related to interest rate and FX risk, capital, and liquidity
provide guidance on their impact to new products and initiatives
Develop and maintain an analytical reporting framework for senior management, risk committees (e.g., ALCO, RMC), and the Board
Manage relationships and strategic corporate initiatives, including project management and transaction execution with external banking partners, rating agencies, and corporate insurance providers

What we offer

Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

Fulltime

Assistant Vice President, Consumer Credit Risk

The Assistant Vice President (AVP) roles within Consumer Credit Risk are pivotal...

Location

India , Mumbai; Pune

Salary:

Not provided

Citi

Expiration Date

Until further notice

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)

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

Vice President Credit Portfolio Officer

This senior Individual Contributor role targets an experienced professional in U...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Expertise in Credit Risk Analytics and Portfolio Risk Analytics
Exceptional analytical and quantitative skills
extensive experience in statistical modeling and data analysis
Strong business acumen
ability to translate data into actionable business insights
Excellent communication and presentation skills, capable of explaining complex
Programming: Expert in SAS or Python for data analysis.
Visualization Tools: Experience with Python visualization or other tools (e.g., Tableau, Power BI) is a plus
10+ years as a high-performing Individual in a major bank or financial institution
Bachelor’s/University degree in statistics, mathematics, economics, or an equivalent quantitative field

Job Responsibility

Lead the risk assessment of acquisition strategies across channels and products within the US Consumer Credit Card business
Collaborate with Product and Marketing teams to optimize risk-adjusted acquisition growth
Manage analytical execution of ECM strategies (CLI, CLD, authorization rules, line management) for defined portfolios/segments
Provide recommendations on risk–return trade-offs for ECM initiatives, balancing loss mitigation, spend growth, and customer experience
Shape enterprise credit risk standards and best practices and contribute to firmwide initiatives across portfolios
Drive simplification, consistency, and innovation in risk frameworks
Design, develop, and maintain high-quality MIS reports and dashboards for tracking and business trend insights

Fulltime

Credit Risk Senior Manager - Vice President

Assist in developing and implementing the strategic risk governance framework to...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10+ Years of business experience
preferably in Credit Risk, Audit, Compliance, or Finance
Working Knowledge of pertinent regulations including Reg W, Reg K, MRNCCD, Section 165(d) of the Dodd-Frank Wall Street Reform and Consumer Protection Act, and FDIC’s Covered Insured Depository Institution Response requirements
In depth knowledge of Citi’s corporate structure
Working knowledge of Citi’s Resolution and Recovery plan to include in depth knowledge of Citi’s Material Legal Entity (MLE) structure
Familiarity with CitiRisk and other internal technology platforms preferred
Knowledge of a wide variety of capital markets products is a must
Working knowledge of credit risk valuation and calculations preferred
Project Management skills
Self-starter able to take on projects with minimal guidance or supervision

Job Responsibility

Manage Inter-Affiliate relationships and maintain an in-depth understanding of the Firm's Global Booking Model
Coordinated across the first and second lines of defense to ensure a robust and comprehensive risk management framework is established across multiple stakeholders
Ensure Citi's use of Inter-Affiliates is in line with policy and regulatory guidance
specific aspects include: strategy, governance, metrics and reporting, inventory and segmentation, risk assessments, technology and data
Partner with technology SMEs and direct project support resources to ensure efficient resolution of risk valuation issues in accordance with Citi's commitment to management inter-affiliate exposure
Coordinate with legal entity risk management and other key stakeholders across the firm in order to establish and renew credit limits on an annual basis
Partner with risk management colleagues globally to ensure inter-affiliate risk management requirements are firmly rooted in the global risk management framework across all regions, and legal entities
Develop credit profiles for affiliates based on stand-alone financial disclosures
Manage, track, and coordinate data and structural remediation projects regarding inter-affiliate risk management
Develop a high degree of technical and policy understanding with respect to business credit processing

Fulltime

Vice President, Consumer Credit Risk

Citi

Location:
India , Pune ▼
Mumbai

Category:
Finance

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Additional Information:

Job Posted:
January 31, 2026

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