Vice President Credit Portfolio Officer

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

• Lead the risk assessment of acquisition strategies across channels and products within the US Consumer Credit Card business.
• Collaborate with Product and Marketing teams to optimize risk-adjusted acquisition growth.
  
  

Existing Customer Management (ECM) Analytics

• Manage analytical execution of ECM strategies (CLI, CLD, authorization rules, line management) for defined portfolios/segments.
• Provide recommendations on risk–return trade-offs for ECM initiatives, balancing loss mitigation, spend growth, and customer experience
  
  

Portfolio Monitoring & Strategic Insights

• Shape enterprise credit risk standards and best practices and contribute to firmwide initiatives across portfolios
• Drive simplification, consistency, and innovation in risk frameworks.
• Design, develop, and maintain high-quality MIS reports and dashboards for tracking and business trend insights.
  
  

Qualifications

Required Skills

• Expertise in Credit Risk Analytics and Portfolio Risk Analytics;
• Exceptional analytical and quantitative skills; extensive experience in statistical modeling and data analysis.
• Strong business acumen; ability to translate data into actionable business insights.
• Excellent communication and presentation skills, capable of explaining complex
  
  

Technical Skills

• 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

• 10+ years as a high-performing Individual in a major bank or financial institution
  
  

Education

• Bachelor’s/University degree in statistics, mathematics, economics, or an equivalent quantitative field.
• 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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