We, at Citi, believe in the power of Data and Analytics driven decision making. Our high-quality financial products and services enable consumers and businesses to prosper and grow in domestic markets, as well as internationally. We put the customers at the center of everything we do and data at the center of how we do it. We continue to combine our scale, digital capabilities, and ecosystem to be where our customers need us to be. Data Science enables us to make our decisions better, faster and our products and services relevant to our customers. We have made it a priority to foster a culture of inclusion where the best people want to work, where people are promoted on their merits, where we value and demand respect for others, and where opportunities to develop are widely available to all. **Job Description** This position is within Citi’s USPB In-Business Unsecured Lending Risk. This role will be the India lead responsible for development, implementation and monitoring of credit policy strategies and capabilities for new account originations across the Unsecured lending portfolios (Cards, Personal Loans, Merchant Installment Loans, Lines of credit). You will be responsible for ensuring that credit strategies are analytically sound, compliant with regulatory expectations, and aligned with bank’s risk appetite and growth objectives. In this role, you will + Support management & optimization of the acquisition credit policies for a $150B+ portfolio that generates 15MM new accounts annually + Partner with credit strategy, data science, product, marketing, and compliance teams to design, implement, and validate acquisition strategies + Lead the team in performing quantitative analyses to assess risk-adjusted return, risk segmentation, and tradeoffs in acquisition policy changes + Partner with digital and marketing teams on channel specific underwriting policies + Partner with modeling team on new tools, machine learning and alternate data + Develop a testing framework to deploy learnings faster using repeatable playbooks and monitoring routines + Manage risk levels for the entire credit/valuation spectrum across multiple products and retail formats consistent with program financial goals + Track and report on initiatives, performance results, emerging trends and opportunities to senior management + Ensure adherence to internal and external regulatory expectations + Respond to effective challenge from second line + Serve as SME for audits, model use and implementation of strategies + Ensuring strategies are executed in a strong control environment We will be thrilled to have someone who is + An experienced credit policy manager – who has the vision and can adapt to changing technology and the demands of the governance and regulation. + Creative –who can take a concept and give it shape and structure. Is not afraid to ask questions and loves playing with new ideas. + Has good Judgment – knows when something does not add up and is not right. Has attention to details and can get into the weeds when needed. + A Leader – leads by example and is not afraid to challenge status quo. Inspires people with presence. Knows talent when they see it and will create a conducive environment to nurture and grow it. **Basic Qualification** + 10+ years of experience in credit risk management or lesser with relevant experience in acquisitions credit risk + Experience in the financial services industry preferred + Demonstrated accountability for delivery of a full range of services to one or more businesses/geographic regions + Consistently demonstrate clear and concise written and verbal communication + Proven negotiation skills often used at a senior level + Demonstrated ability to synthesize, prioritize and drive results with urgency + Ability to obtain support and buy-in across a wide range of internal and external audiences **Education:** + Bachelor’s/University degree in statistics, mathematics, economics, or equivalent experience. Master’s/PhD degree is a plus ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Portfolio Credit Risk Management ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ **Most Relevant Skills** 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. ------------------------------------------------------ **Other Relevant Skills** For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ _Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._ _If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _Accessibility at Citi (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)_ _._ _View Citi’s_ _EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy)_ _and the_ _Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)_ _poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.