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 Unsecured Policy lead responsible for end-to-end risk strategy and execution, including managing credit losses. You will work closely with business and risk partners to drive initiatives that deliver growth and resilient profitability for the Unsecured portfolio. You will also leverage shared functions such as collections, governance, loss forecasting, and risk systems to support business needs effectively. In this role, you will + Supports the management and optimization of risk policy for a $150B+ portfolio by leveraging best practices across risk functions to ensure consistent and efficient portfolio-wide risk mitigation. + Partner with central Risk functions, including Acquisition Risk, Existing Customer Management (ECM) Risk, and Strategic Initiative Risk + Lead the team in performing quantitative analyses to assess risk-adjusted return, risk segmentation, and tradeoffs in Policy Changes + Lead and develop reporting subordinates, especially around developing sound analytical approach to solve business problems + Drive innovative thinking about leveraging new tools/methods to transform the analytical capability of the organization + Understand regulatory headwinds actions and develop mitigation / opportunity strategies + Ensure simplification and standardization of the process, strategies and bring synergies across Branded Cards and Retail Services + Ensure appropriate documentation of the current process to drive better productivity levels + Cross functional leadership (communication and influencing) to drive towards common goal across risk organization i.e. Credit Abuse, PQR, RAF, ROTCE, Strategic Initiatives, Independent risk. + Maintain a strong culture of risk and controls in the team through various process and check points and ensure that the risk in operations is understood and controlled by the team members + 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 + Plan and hire the right set of people, train, guide, coach, develop, appraise and reward people based on meritocracy and drive alignment between US and India leadership + Identify and develop high performers for next level jobs/ senior management positions 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** + 15+ years of experience in credit risk management + 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.