The Credit Risk Portfolio Manager is a management-level position responsible for driving significant results through the tactical management of a team or department. This role entails comprehensive oversight of Citi's retail credit portfolio, proactively identifying and managing credit migration in close coordination with the Risk Management team. This position also contributes to broader organizational standards and strategic policy formulation within the area of retail credit risk
Developed communication and diplomacy skills are essential to guide, influence, and convince colleagues and external partners. The Portfolio Manager holds full management responsibility for their team's oversight and strategic direction, and may be involved in budget planning and approval processes within the retail risk domain.
Responsibilities:
Strategic Leadership & Policy Development: Effectively leads and oversees multiple policy change implementation projects specific to retail credit products, providing end-to-end support within the Risk Management Organization.



Establishes and refines operating policies and procedures related to credit approval and verification, credit card fraud prevention, delinquency and loss management, and overall consumer lending strategies.
Team and Resource Management: Conducts managerial responsibilities including coaching, mentoring, and escalation as needed within the retail credit risk team. Ensures continuous process improvement and efficiency initiatives are identified and implemented to support business unit goals in consumer lending.
Credit Risk Oversight & Analysis: Drives the assessment of Citi's credit risk management practices and leads the identification and mitigation of credit risk across unsecured retail portfolios (e.g., credit cards). Analyzes complex credit risks using advanced reports, scorecards, risk systems, and expert judgment, with a particular focus on behavioral scoring models, application fraud detection, and collections strate

📌 Retail Credit Policy (India)
🏢 Citi
📍 India