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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 recent 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 solid control environment

Responsibilities:
Must have capability to clearly develop and communicate analysis
A positive 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