VicePresidentCreditPortfolioOfficer

**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