Third party management ,Credit bureau and Business activity owner (Vice President)

Apply

Job Req Id:: 25910987
Location(s):: Mumbai, Maharashtra, India
Job Type:: Hybrid
Posted:: Nov. 06, 2025

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

Position Summary:

The Credit Bureau Manager (Vice President): Consumer Credit Risk will support the organization’s compliance efforts with the Fair Credit Reporting Act (FCRA), focusing on the governance, management, and integration of data from third-party credit reporting agencies. This role oversees a team responsible for the furnishing, consumption, and validation of credit data, ensuring it aligns with FCRA regulations while driving business outcomes. This leader will also participate in and lead several contract negotiations, invoice alignment, and the financial discipline associated with credit bureau relationships, ensuring that Master Service Agreements (MSAs) and Request for Proposals (RFPs) are optimized for both compliance and cost-efficiency.

This role will organize and lead a team managing third-party relationships, driving strategic initiatives that ensure data accuracy, regulatory compliance, and operational excellence.

This individual will lead in an environment where intellectual curiosity and the ability to probe beneath the surface will be required to understand gaps in processes and prioritize initiatives.

This role will also serve as a thought partner with the executive to help with overall prioritization of work and setting the bar for quality deliverables that support our key business partners and the firms strategic and financial objectives.

Key Responsibilities:

FCRA Compliance Leadership:
- Support the organization’s FCRA compliance program, ensuring that all data furnished to and consumed from credit reporting agencies aligns with legal and regulatory standards.
- Ensure the accuracy, integrity, and timeliness of data exchanged with third parties, minimizing risks related to non-compliance, inaccuracies, or delays.
- Collaborate with legal and compliance teams to stay ahead of evolving FCRA regulations, ensuring that business processes, data governance practices, and third-party relationships are continually aligned with regulatory expectations.
Third-Party Data Management & Integration:
- Oversee the integration and consumption of data from third-party credit bureaus and service providers, ensuring seamless data flow while adhering to FCRA standards.
- Develop and implement strategies to optimize data usage across credit risk decisioning, reporting, and compliance, ensuring that data is used effectively and compliantly.
- Ensure that data furnished to credit reporting agencies is accurate, timely, and meets all FCRA obligations to protect both the organization and consumers.
Contract Management & Financial Oversight:
- Lead negotiations and manage relationships with third-party credit bureaus and data providers, ensuring that Master Service Agreements (MSAs) and Request for Proposals (RFPs) are structured to meet compliance and financial objectives.
- Align contracts, invoices, and pricing structures with the organization’s financial discipline, ensuring cost-effective use of external data sources without compromising compliance or operational performance.
- Partner with procurement and legal teams to manage the lifecycle of third-party contracts, from initial RFPs to contract renewals, ensuring alignment with the organization’s strategic, regulatory, and financial goals.
Invoice Alignment & Financial Discipline:
- Ensure that all third-party invoices are aligned with contractual terms, verifying accuracy and overseeing payment processing to ensure compliance with both FCRA and internal financial controls.
- Implement financial oversight practices that align the consumption of third-party data with cost management strategies, ensuring that all services provided by credit bureaus are utilized efficiently and within budget.
Data Governance & Risk Management:
- Establish and maintain a comprehensive data governance framework to ensure that all data related to credit reporting is managed, controlled, and audited according to internal policies and FCRA regulations.
- Develop processes to monitor and audit data usage, ensuring that both furnished and consumed data meet the highest standards of accuracy and timeliness.
- Lead the resolution of disputes or discrepancies with credit bureaus, ensuring prompt and compliant remediation of any issues that arise.
Cross-Functional Collaboration & Stakeholder Management:
- Collaborate with internal stakeholders, including Risk, Compliance, Technology, Legal, and Finance, to ensure that all credit reporting and data-related activities align with FCRA compliance and business objectives.
- Lead cross-functional initiatives aimed at optimizing the organization’s use of third-party data for credit risk management, ensuring alignment between data strategies and business goals.
- Act as a key liaison between the organization and external regulatory bodies, credit bureaus, and third-party vendors, ensuring that all relationships are managed transparently and compliantly.
Leadership & Team Development:
- Build and lead a high-performing team of compliance, risk, and data professionals responsible for managing third-party data integration, contract negotiations, and FCRA compliance.
- Foster a culture of regulatory excellence, continuous improvement, and operational efficiency within the team, ensuring that all FCRA-related activities are conducted in a manner that protects the organization’s reputation and regulatory standing.
- Mentor and develop team members, promoting a culture of accountability, innovation, and financial discipline across all data governance functions.
Innovation & Continuous Improvement:
- Drive innovation in the management of third-party data and FCRA compliance, exploring new technologies and data strategies that enhance the accuracy, security, and cost-effectiveness of credit data integration.
- Stay abreast of industry trends, regulatory changes, and best practices in FCRA compliance, ensuring that the organization remains a leader in data governance and credit reporting practices.
- Lead initiatives to automate and streamline data management and compliance processes, reducing costs and improving efficiency without sacrificing regulatory integrity.

Key Qualifications:

Educational Background:
- Bachelor's degree in a relevant field (e.g., finance, risk management, information technology). Relevant certifications in FCRA, Data Privacy, or Regulatory Compliance are highly preferred, but not required.
Leadership Experience:
- 5+ years of experience in leading small teams, credit risk management, or financial services, with at least some experience in a role working with third-party data relationships and regulatory compliance.
- Proven ability to manage large-scale, complex relationships with credit bureaus and third-party data providers, ensuring alignment with regulatory and financial objectives.
Stakeholder Engagement & Leadership:
- Exceptional leadership and interpersonal skills, with the ability to engage senior stakeholders, external vendors, and regulatory bodies on complex data and compliance topics.
- Proven ability to drive cross-functional collaboration and lead high-performing teams in dynamic, fast-paced environments.
Innovation & Continuous Improvement Mindset:
- A forward-thinking executive with a track record of leveraging technology and innovative strategies to enhance data governance and compliance processes.
- A commitment to continuous improvement, with the ability to drive efficiencies in data management and compliance while maintaining regulatory integrity.
FCRA & Regulatory Expertise:
- Some understanding of the Fair Credit Reporting Act (FCRA) and other relevant regulatory frameworks governing the furnishing and consumption of credit data.
Contract Management & Financial Acumen:
- Some understanding of negotiating and managing MSAs, RFIs, RFPs with third-party vendors, ensuring alignment with both compliance requirements and cost management strategies.
- Financially disciplined with a track record of optimizing third-party relationships to drive cost savings and operational efficiency.
Data Governance & Risk Management Skills:
- Extensive experience in data governance, particularly in the context of credit risk decisioning and regulatory reporting, with a focus on maintaining data accuracy, integrity, and compliance.
- Strong risk management capabilities, with the ability to identify, mitigate, and resolve data-related risks that impact FCRA compliance or operational performance.

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

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.

Apply

Job Req Id:: 25910987
Location(s):: Mumbai, Maharashtra, India
Job Type:: Hybrid
Posted:: Nov. 06, 2025

Job Req Id:

25910987

Job Req Id:

25910987

Location(s):

Mumbai, Maharashtra, India

Location(s):

Mumbai, Maharashtra, India

Job Type:

Hybrid

Job Type:

Hybrid

Posted:

Nov. 06, 2025

Posted:

Nov. 06, 2025

Apply

Job Details

Skills Required

More Details

Third party management ,Credit bureau and Business activity owner (Vice President)

Apply