Citi

Vice President, Consumer Credit Risk

Citi

full-time

Posted on:

Location Type: Hybrid

Location: Pune • India

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Job Level

Lead

Tech Stack

SQL

About the role

  • Lead and manage teams responsible for credit risk initiatives, projects, and operations.
  • Oversee the end-to-end management of critical processes, from post-implementation validation to ongoing production monitoring and change management.
  • Foster a culture of accountability, continuous improvement, and regulatory excellence within teams.
  • Establish, implement, and enhance governance and control frameworks for credit risk platforms and data.
  • Proactively identify, assess, and mitigate operational risks, including control breaks and production issues.
  • Develop and manage robust monitoring processes to ensure system stability, performance, and data integrity.
  • Ensure strict adherence to regulatory requirements, particularly the Fair Credit Reporting Act (FCRA), as well as OCC, CFPB, and Fed regulations.
  • Collaborate with legal, compliance, and internal/external audit teams to ensure transparency, maintain audit trails, and address regulatory expectations.
  • Oversee the integration, transformation, and accurate utilization of credit risk data, including data from third-party credit bureaus.
  • Ensure data quality, accuracy, and timeliness throughout its lifecycle to support sound credit risk decisioning and regulatory reporting.
  • Act as a key liaison and thought partner, engaging with senior leadership and diverse internal stakeholders (Risk, IT, Operations, Compliance, Finance).
  • Build and maintain strong relationships with external vendors, credit bureaus, and regulatory bodies.
  • Drive consensus and alignment across functions on critical initiatives and strategic priorities.
  • Lead initiatives for continuous improvement and process optimization using methodologies like Lean or Six Sigma.
  • Drive innovation in data management, monitoring tools, and technology solutions, including leveraging AI/ML.
  • Enhance automation, scalability, and efficiency within the credit risk framework.

Requirements

  • Significant years of experience (typically 10+ years, with specific roles requiring 5+ years in team leadership) in credit risk management, financial services, technology operations, project management, or related highly regulated environments.
  • Proven track record of leading, mentoring, and developing high-performing teams.
  • Demonstrated ability to lead cross-functional initiatives and manage complex projects effectively.
  • Deep understanding of credit risk models, decisioning platforms, and regulatory reporting requirements.
  • Strong knowledge of regulatory frameworks impacting credit reporting and risk management, including FCRA.
  • Exceptional analytical skills to interpret complex data, assess risks, and evaluate business impacts.
  • Strong strategic thinking and problem-solving abilities to anticipate challenges and develop robust, long-term solutions.
  • Expertise in data governance, data integration, data transformation, and data quality assurance.
  • Proficiency in relevant tools and technologies such as SAS, SQL, and familiarity with modern monitoring, automation, and AI/ML concepts.
  • Excellent communication (verbal and written) and presentation skills.
  • Strong stakeholder management capabilities, with the ability to influence, negotiate, and drive consensus across diverse groups.
Benefits
  • Citi is an equal opportunity employer
  • 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
  • reasonable accommodation to use our search tools and/or apply for a career opportunity
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
credit risk managementdata governancedata integrationdata transformationdata quality assurancecredit risk modelsregulatory reportingproject managementprocess optimizationanalytical skills
Soft Skills
team leadershipmentoringstrategic thinkingproblem-solvingstakeholder managementcommunication skillspresentation skillscross-functional collaborationinfluencenegotiation