Consumer Credit Risk Officer

Citi; Pune District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Citi in Pune, India seeks a Consumer Credit Risk – Officer to strengthen data governance, risk reporting, and regulatory compliance. You will manage data accuracy, integrate third‑party bureau data, and help design scalable risk processes.

The role requires 2+ years in consumer credit risk, a Finance/IT background, and proficiency with SAS/SQL. You will collaborate with Risk, IT, Compliance, Legal and Finance to implement risk strategies and leverage AI/ML for automation.

Qualifications

• Bachelor's degree in Finance, Risk Management or IT is required.
• 2+ years of experience in consumer credit risk management or financial services.
• Strong data analysis, data integration, and handling complex data sets.
• Proficiency with SAS and SQL for data processing and reporting.
• Excellent communication and leadership skills; ability to influence stakeholders.
• Solid understanding of regulatory landscape affecting credit reporting and risk management.

Responsibilities

• Data Management & Governance: Ensure data accuracy, integrity, security, and quality.
• Regulatory Compliance: Adhere to standards (FCRA, OCC, CFPB, Federal Reserve) across data processes.
• Risk Management: Identify, assess, and mitigate risks related to data quality and credit risk models.
• Cross-Functional Collaboration: Liaise with Risk, IT, Compliance, Legal, Finance, and Business units.
• Innovation & Continuous Improvement: Drive automation, efficiency, and scalability in data management, testing, and compliance, leveraging AI/ML.

Skills

Analytical Thinking

Credible Challenge

Governance

Policy

Procedure

Portfolio Analysis

Risk Management Lifecycle

Communication & Leadership

Regulatory Acumen

Education

Bachelor's degree in Finance, Risk Management, IT

Tools

SAS

SQL

Job description

Consumer Credit Risk Role - Officer

Overview

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).
  • Applying compliance across all data processes, systems, and reporting.
• 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).
• Credit Risk Expertise:
  • 2+ years of experience in consumer credit risk management or financial services.
  • Understanding of credit risk models and decisioning systems.
• Data Proficiency:
  • Strong capabilities in data analysis, data integration, and managing complex data sets.
  • Proficiency with relevant technical tools and platforms (e.g., SAS, SQL).
• Analytical & Problem‑Solving Skills:
  • Analytical mindset to interpret complex data and identify issues.
  • Ability to provide actionable insights and drive effective solutions in dynamic environments.
• Communication & Leadership:
  • Consistently demonstrate clear and concise verbal and written communication skills.
  • Ability to convey complex information to diverse audiences.
  • Demonstrated leadership potential and ability to influence and collaborate effectively.
• Regulatory Acumen:
  • Solid understanding of the regulatory landscape affecting credit reporting and risk management.
  • Experience in ensuring compliance.

Job Family Group

Risk Management

Job Family

Portfolio Credit Risk Management

Time Type

Full time

Most Relevant Skills

Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.

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