Unsecured Risk Policy -Senior Vice President

You will be responsible for leading the India Unsecured Policy team within Citis USPB In-Business Unsecured Lending Risk. Your role will involve developing and executing end-to-end risk strategies, as well as managing credit losses for the Unsecured portfolio. You will collaborate closely with business and risk partners to implement initiatives that drive growth and ensure resilient profitability. Additionally, you will utilize shared functions such as collections, governance, and risk systems to effectively support business requirements. Key Responsibilities: - Manage and optimize risk policy for a $150B+ portfolio by implementing best practices across risk functions to ensure consistent risk mitigation - Collaborate with central Risk functions such as Acquisition Risk, Existing Customer Management (ECM) Risk, and Strategic Initiative Risk - Conduct quantitative analyses to evaluate risk-adjusted returns, risk segmentation, and impacts of policy changes - Lead the team in developing analytical approaches to solve business challenges - Drive innovation by exploring new tools and methods to enhance the organization's analytical capabilities - Stay informed about regulatory changes and develop strategies to address challenges and opportunities - Simplify and standardize processes and strategies across Branded Cards and Retail Services - Maintain a culture of risk and controls in the team through various processes and checkpoints - Serve as a subject matter expert for audits, model implementation, and strategy execution - Ensure strategies are executed in a strong control environment Qualifications Required: - 15+ years of experience in credit risk management - Experience in the financial services industry is preferred - Strong written and verbal communication skills - Proven negotiation skills at a senior level - Ability to synthesize information, prioritize effectively, and drive results urgently - Demonstrated ability to obtain support across internal and external stakeholders You will ideally possess the following qualities: - An experienced credit policy manager who can adapt to technological advancements and changing regulations - Creative individual who can conceptualize ideas and provide structured solutions - Detail-oriented with good judgment and the ability to delve into complex issues - A leader who challenges the status quo, inspires others, and fosters talent development Education: - Bachelor's/University degree in statistics, mathematics, economics, or relevant field. A Master's/PhD degree is a plus Please note the additional details about the company were not provided in the job description.,