Assistant Vice President, Consumer Credit Risk at Citi

Mumbai, maharashtra, India -

Full Time

Start Date

Immediate

Expiry Date

10 Mar, 26

Salary

0.0

Posted On

10 Dec, 25

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Data Management, Data Governance, Risk Management, Data Analysis, Data Integration, Credit Risk Models, Regulatory Compliance, Automation, AI/ML, Vendor Management, Stakeholder Collaboration, Analytical Thinking, Leadership, Communication, Problem Solving, Regulatory Acumen

Industry

Financial Services

Description

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. 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. 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. 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. Data Proficiency: 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. Ability to convey complex information to diverse audiences (senior leadership, technical teams, external stakeholders). Demonstrated leadership potential and ability to influence and collaborate effectively. Regulatory Acumen: Solid understanding of the regulatory landscape affecting credit reporting and risk management. ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Portfolio Credit Risk Management ------------------------------------------------------ Time Type: ------------------------------------------------------ Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------

Responsibilities

Oversee the end-to-end lifecycle of credit risk data, ensuring its accuracy, integrity, and compliance with regulatory standards. Collaborate with internal and external stakeholders to align credit risk strategies and enhance operational efficiency.