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Job Overview:
Consumer Credit Risk Role - Officer
Overview
The Consumer Credit Risk Officer role is a pivotal position responsible for safeguarding the integrity, compliance, and operational excellence of credit risk management activities. These roles collectively ensure that critical credit data is accurately managed, integrated, and utilized, adhering to stringent regulatory requirements while fostering continuous innovation and cross-functional alignment.
High-Level Responsibilities
- Data Management & Governance:
- Ensuring accuracy, integrity, security, and quality of data.
- Implementing robust data governance frameworks and controls.
- Managing data integration from various sources, especially third-party credit bureaus.
- Regulatory Compliance:
- Ensuring strict adherence to legal and regulatory standards (FCRA, OCC, CFPB, Federal Reserve).
- Risk Management:
- Identifying, assessing, and mitigating risks related to data quality, credit risk models, and regulatory non-compliance.
- Cross-Functional Collaboration & Stakeholder Engagement:
- Acting as a key liaison and collaborating with internal stakeholders (e.g., Risk, IT, Compliance, Legal, Finance, Business units).
- Innovation & Continuous Improvement:
- Leading initiatives to drive automation, enhance efficiency, and improve scalability of data management, testing, and compliance.
- Leveraging emerging technologies such as AI/ML.
- Strategy and Operations:
- Contributing to the development and implementation of credit risk strategies.
- Ensuring operational excellence in credit risk processes.
High-Level Qualifications
- Educational Background:
- Bachelor's degree in a relevant field (Finance, Risk Management, IT).
- Cr
📌 Consumer Credit Risk Officer (Mumbai)
🏢 Citi
📍 Mumbai