Discover your future at Citi:
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview:
This position is within Citi’s USPB In-Business Unsecured Lending Risk. This role will develop, implement and monitor credit policy strategies and capabilities for new account originations across the Unsecured lending portfolios for US credit cards. 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 design, development & optimization of the acquisition credit policies for a $150B+ portfolio that generates 15MM new accounts annually
- Support tactical and strategic Risk Analytics projects for U.S. Consumer Cards
- Perform quantitative analyses to assess risk-adjusted return, risk segmentation,



and tradeoffs in acquisition policy changes
- Prepare proposals and review with the stakeholders within Risk, document the effective challenge and incorporate inputs in revising the proposals
- 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-
- Track and report on initiatives, performance results, emerging trends and opportunities to senior management
- Ensure adherence to internal and external regulatory expectations
- Ensuring strategies are executed in a strong control workplace

Responsibilities:
- Must have capability to clearly develop and communicate analysis
- A good understanding of credit life cycle
- Must have hands on expertise in developing and managing segmentations
- Presentations to both technical and non-technical personnel are required to be made frequently as part

📌 Credit Risk Analytics (Mumbai)
🏢 Citi
📍 Mumbai