Senior Testing Analyst– Consumer Credit Risk (Assistant Vice President)

Location: Pune, Maharashtra, India

Employment Type: Regular

Position Summary:

The Senior Testing Analyst (SAS-PEGA) (AVP) – Consumer Credit Risk is responsible for developing and managing comprehensive test strategies, test plans, and test scripts that ensure the accurate integration of credit risk strategies and business rules across multiple teams and platforms. This role focuses on testing the implementation of Credit strategies ensuring that testing processes support the organization’s broader credit risk initiatives and driving continuous improvements in testing methodologies. Reports into Senior Leader - Consumer Credit Risk Testing and Validation.

The successful candidate will collaborate closely with technology, risk, and business teams to ensure that credit risk models, policies, and strategies are thoroughly tested and perform as expected. This position requires a deep understanding of credit risk management principles and a strong background in leading cross-functional teams in a fast-paced financial environment.

Key Responsibilities:

• Test Strategy Development: Lead the creation of comprehensive test strategies for credit risk models, decisioning engines, and business rules that drive consumer lending and credit risk assessments.

• Test Plan Design: Oversee the development of detailed test plans, including scope, objectives, resources, schedules, and deliverables, ensuring alignment with the credit risk framework.

• Test Script Oversight: Direct the design and execution of test scripts that validate credit risk rules integration, ensuring test cases accurately reflect all risk factors, decision rules, and regulatory compliance requirements.

• Credit Risk Rules Integration: Ensure that all test cases are aligned with credit risk policies and that any changes in strategy are properly tested for functional and operational accuracy before deployment.

• Collaboration & Stakeholder Engagement: Work closely with cross-functional teams, including credit risk, IT, product development, and compliance, to ensure effective integration of business rules and risk models.

• Risk Management & Controls: Implement and maintain strong risk management practices throughout the testing process, identifying potential issues and mitigating risks associated with new credit risk strategies.

• Continuous Improvement: Drive ongoing improvements in test methodologies, tools, and processes to enhance efficiency, effectiveness, and accuracy across credit risk-related testing activities.

• Reporting & Documentation: Ensure accurate reporting of test results, including defect tracking, resolution, and metrics that reflect testing effectiveness and coverage. Maintain thorough documentation of test strategies and processes.

Qualifications:

• 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, or software testing is a plus.

• Experience: 7+ years of experience in consumer credit risk management or financial services, with experience executing test strategies for credit risk systems or decision engines.

• Technical Proficiency: Strong knowledge of credit risk modeling, decisioning platforms, and rules engines. Familiarity with testing tools and automation frameworks is preferred. Proficient in SQL and SAS.

• Leadership Skills: Proven experience leading, mentoring, and developing high-performing teams in complex testing environments.

• Analytical Mindset: Ability to analyze test results and credit risk impacts, providing actionable insights to improve overall strategy and decision-making processes.

• Communication Skills: Strong verbal and written communication skills, with the ability to convey complex test results and credit risk insights to senior management and stakeholders.

• Problem-Solving: Strong critical thinking and problem-solving skills, especially in the context of complex systems and regulatory compliance requirements.

• Technology & Innovation:  

  • Strong understanding of technology platforms, automation tools, and data analytics that support risk model/strategy testing and validation.

  • Experience incorporating AI/ML or advanced statistical methodologies into credit risk testing processes is preferred.

Location: Pune

------------------------------------------------------

Job Family Group:

Risk Management

------------------------------------------------------

Job Family:

Portfolio Credit Risk Management

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

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.

------------------------------------------------------

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

------------------------------------------------------

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

 

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.