**C13 - Individual Contributor** **Credit Card Credit & Portfolio Risk Management C13 Vice President (IC Role)** **Location: India** **Overall Objective** This senior Individual Contributor role targets an experienced professional in US Consumer Credit Risk Analytics. This individual will be a subject matter expert in analytics, providing data-driven insights for strategic decision-making within Risk. The role demands deep analytical acumen, hands-on technical proficiency, and the ability to translate complex data into clear, actionable intelligence. **Key Responsibilities** Acquisition & New Account Risk Analytics + 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. Existing Customer Management (ECM) Analytics + 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 Portfolio Monitoring & Strategic Insights + 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. **Qualifications** **Required Skills** + 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 **Technical Skills** + 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. **Experience** + 10+ years as a high-performing Individual in a major bank or financial institution **Education** + Bachelor’s/University degree in statistics, mathematics, economics, or an equivalent quantitative field. + A Master’s/PhD degree in a relevant discipline is a significant 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.