Assistant Vice President - Credit Portfolio Senior Analyst

Assistant Vice President – Credit Portfolio Senior Analyst

Job Req :

Location(s):
Mumbai, Maharashtra, India;
Haryana, India

Job Type: Hybrid

Posted:
Jan. 21, 2026

Credit Risk Analytics –Senior Analyst (C12)

The C12 AVP is a senior individual contributor and emerging leader responsible for owning defined credit card portfolios or risk domains, driving risk strategy, policy execution, and analytics-led decision‑making.

The role requires strong independent judgment, end‑to‑end ownership, and the ability to influence senior stakeholders, while mentoring junior team members.

• Own end‑to‑end credit risk performance for assigned portfolios or segments.
• Monitor delinquency, loss rates, payment behavior, utilization, and profitability.
• Identify emerging risk trends and structural shifts using vintage and cohort analysis.
• Translate portfolio performance into loss, P&L, and capital impact.
• Proactively escalate material risk issues with clear mitigation plans.

• Support and influence acquisition risk strategy across channels and products.
• Evaluate underwriting thresholds, approval strategies, and targeting effectiveness.
• Monitor early lifecycle risk including FPD and early delinquency.
• Provide data‑backed challenge to growth initiatives to ensure risk‑adjusted returns.

• Own ECM analytics and strategy across CLI, CLD, authorization controls, and line management.
• Define risk‑based segmentation using behavioral and bureau data.
• Evaluate and recommend ECM actions balancing customer experience, spend growth, and loss containment.
• Lead post‑implementation performance reviews and strategy refinements.
• Ensure ECM actions align with risk appetite, fairness, and regulatory expectations.

• Own analytics supporting credit policy design, refinement, and execution.
• Recommend policy changes, overlays, and exception frameworks.
• Prepare governance material for policy and risk forums.
• Ensure strong documentation, controls, and audit readiness.

• Support and partially own portfolio loss forecasting and scenario analysis.
• Assess portfolio sensitivity to macroeconomic and policy changes.
• Contribute to stress testing and enterprise planning exercises.
• Recommend proactive risk actions during economic uncertainty.

• Serve as a model consumer for application, behavior, and collection models.
• Interpret model outputs using expert judgment, recognizing limitations and bias.
• Recommend policy, segmentation, or strategy compensations where model gaps exist.
• Support model refresh, validation, and governance processes.

• Present clear, structured insights to senior risk and business stakeholders.
• Influence decisions through data‑driven recommendations and sound judgment.
• Act as a trusted analytical partner to cross‑functional teams.
• Represent risk in cross‑functional working groups.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm’s reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

• Mentor C10–C11 analysts on analytics quality and business thinking.
• Review work for accuracy, insight, and executive readiness.
• Contribute to process improvements and analytical best practices.

• 8+ years of experience in credit card risk / consumer lending / portfolio analytics.
• Master’s degree in business, Statistics, Mathematics, Finance, Economics, or related quantitative fields.

• Advanced SQL; strong experience in SAS and/or Python.
• Strong command of credit risk analytics: vintage, segmentation, forecasting.
• Expertise in translating analytics into business…