Senior Data & Credit Bureau Attributes Specialist for Credit Risk, Officer

Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

At Citi, we get to connect millions of people across hundreds of cities and countries every day. And we've been doing it for more than 200 years. We do this through our unparalleled global network. We provide a broad range of financial services and products to our clients – whether they be consumers, corporations, governments or institutions – to help them meet their biggest opportunities and face the world's toughest challenges.

We’re currently looking for a high caliber professional to join our team as Senior Data & Credit Bureau Attributes Specialist for Credit Risk- Hybrid based in Mumbai, India. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future. For instance:

· Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country.

· We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world.

· We empower our employees to manage their financial well-being and help them plan for the future.

· Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.

· We have a variety of programs that help employees balance their work and life, including generous paid time off packages.

· We offer our employees resources and tools to volunteer in the communities in which they live and work. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world.

Position Summary:

The Senior Data & Credit Bureau Attributes Specialist for Credit Risk is responsible for overseeing the end-to-end lifecycle of data utilized in credit risk decisioning systems, rules engines, and regulatory reporting. This role involves leading the integration, governance, and transformation of complex data sets, ensuring the accuracy, consistency, and control of data across multiple platforms and processes. The executive will be responsible for building, testing, and deploying data pipelines that drive mission-critical credit risk decisioning and regulatory compliance efforts.

The ideal candidate will bring expertise in aligning data controls and integration strategies with broader risk management objectives, ensuring data quality supports high-stakes credit decisions, and regulatory reporting is accurate, timely, and compliant.

In this role, you are expected to do:

• Data Governance & Control Framework:
  • Develop and enforce a governance framework that ensures the accuracy, security, and quality of data throughout its lifecycle—from ingestion to reporting.
  • Implement data control mechanisms that proactively monitor for and mitigate risks related to data accuracy, completeness, and consistency in credit risk models and decisioning platforms.
  • Collaborate with senior leadership across Risk, IT, and Compliance to ensure data governance practices align with both internal policies and external regulatory requirements.
• Data Transformation & Summarization:
  • Oversee the transformation of raw and disparate data sets into actionable insights that support both strategic and tactical decision-making within credit risk frameworks.
  • Lead the implementation of sophisticated data summarization techniques that provide clarity on key performance indicators, risk metrics, and regulatory requirements, ensuring the data drives accurate and timely credit risk reporting.
  • Drive initiatives that leverage emerging technologies (AI/ML) to enhance the speed, accuracy, and scalability of data integration and summarization processes..
• Cross-Functional Collaboration & Stakeholder Engagement:
  • Engage with senior stakeholders across Risk, IT, Compliance, and Business units to ensure that data strategies are aligned with organizational goals and business outcomes.
  • Build strong partnerships with technology teams to ensure that data pipelines are seamlessly integrated with credit risk systems, ensuring agility and scalability as business needs evolve.
  • Act as a key liaison to regulators, industry groups, and external auditors, representing the organization in discussions around data governance, controls, and regulatory reporting practices.
• Innovation & Continuous Improvement:
  • Lead innovation efforts that enhance the automation, scalability, and efficiency of data integration and controls within the credit risk framework.
  • Stay at the forefront of industry advancements in data governance, AI/ML, and data transformation technologies, applying these insights to continuously improve data management processes.
  • Proactively identify areas for improvement in the data lifecycle, driving projects that reduce costs, increase accuracy, and improve compliance outcomes.

As a successful candidate, you’d ideally have the following skills and exposure:

• Educational Background: Bachelor's degree in a relevant field (e.g., finance, risk management, information technology). A Master’s degree or certifications in credit risk, financial analysis is a plus. Certifications in Data Governance, Data Management, or Risk Technology are highly preferred.
• 5-8 years of work experience in financial services or Management consulting or regulatory reporting role.
• Data Governance & Control Expertise:
  • Extensive experience in designing and implementing data governance frameworks that align with regulatory standards, including experience with data controls, summarization, and transformation in a credit risk context.
  • Strong expertise in managing data used in decisioning systems, rules engines, and regulatory reporting, ensuring accuracy and consistency throughout the data lifecycle.
• Technology & Innovation Leadership:
  • Demonstrated experience with modern data integration tools, cloud platforms, and emerging AI technologies that drive data transformation, testing, and deployment.
  • A track record of leading innovation efforts that enhance the automation and efficiency of data delivery, ensuring timely and accurate reporting across credit risk platforms.
  • Experience in SAS, SAS/Stat, SQL is a must. Any Certifications are an advantage.
  • Experience working with Digital, Big Data mining tools and technology is an advantage.
  • Experience working in a large, sophisticated credit granting organization with major credit card, financial services, retail or consulting business a plus.
  • Experience working with Python & R is a plus.
• Stakeholder Management & Executive Communication:
  • Exceptional communication and presentation skills, with the ability to engage senior leadership, board members, and external stakeholders on complex data and risk management topics.
  • Proven ability to drive cross-functional collaboration, ensuring that data strategies are aligned with risk, compliance, and business objectives.
• Financial Acumen:
  • Strong financial management skills with experience managing large-scale data projects, including budgeting, forecasting, and cost optimization.

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Working at Citi is far more than just a job. A career with us means joining a family of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Take the next step in your career, apply for this role at Citi today

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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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