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C13 - Individual Contributor
Credit Card Credit & Portfolio Risk Management C13 Vice President (IC Role)
Location: India
Overall Objective
This senior Individual Contributor role targets an experienced professional in US Consumer Credit Risk Analytics. This individual will be a subject matter expert in analytics, providing data-driven insights for strategic decision-making within Risk. The role demands deep analytical acumen, hands-on technical proficiency, and the ability to translate complex data into clear, actionable intelligence.
Key Responsibilities
Acquisition & New Account Risk Analytics
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Lead the risk assessment of acquisition strategies across channels and products within the US Consumer Credit Card business.
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Collaborate with Product and Marketing teams to optimize risk-adjusted acquisition growth.
Existing Customer Management (ECM) Analytics
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Manage analytical execution of ECM strategies (CLI, CLD, authorization rules, line management) for defined portfolios/segments.
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Provide recommendations on risk–return trade-offs for ECM initiatives, balancing loss mitigation, spend growth, and customer experience
Portfolio Monitoring & Strategic Insights
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Shape enterprise credit risk standards and best practices and contribute to firmwide initiatives across portfolios
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Drive simplification, consistency, and innovation in risk frameworks.
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Design, develop, and maintain high-quality MIS reports and dashboards for tracking and business trend insights.
Qualifications
Required Skills
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Expertise in Credit Risk Analytics and Portfolio Risk Analytics;
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Exceptional analytical and quantitative skills; extensive experience in statistical modeling and data analysis.
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Strong business acumen; ability to translate data into actionable business insights.
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Excellent communication and presentation skills, capable of explaining complex
Technical Skills
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Programming: Expert in SAS or Python for data analysis.; Visualization Tools: Experience with Python visualization or other tools (e.g., Tableau, Power BI) is a plus.
Experience
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10+ years as a high-performing Individual in a major bank or financial institution
Education
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Bachelor’s/University degree in statistics, mathematics, economics, or an equivalent quantitative field.
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A Master’s/PhD degree in a relevant discipline is a significant plus.
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Job Family Group:
Risk Management
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Job Family:
Portfolio Credit Risk Management
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Time Type:
Full time
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Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
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Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
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