Vijay Kopparti
SVP, Credit Risk Strategy (Ecm Programs) @Citi
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WORK HISTORY
SVP, Credit Risk Strategy (Ecm Programs) @Citi
NY, US
Vijay transitioned from model development and governance into end-to-end strategy ownership for Line Management, one of the most profitable ECM programs in Citi’s retail card portfolio. In this leadership role, Vijay drives strategies for Line Increases, optimizing portfolio growth and customer engagement, as well as Line Decreases and Closures, which mitigate credit losses and manage capital exposure at scale.Vijay partners extensively with Legal, Compliance, Fair Lending, and 2nd Line of Defense risk partners to ensure strategic alignment and regulatory readiness before any major rollout. He has also led internal and external audits of ECM programs, reinforcing governance standards and strengthening oversight.By providing senior stakeholders with program performance reviews and risk assessments, Vijay ensures that strategy decisions remain transparent, data-driven, and closely tied to long-term business objectives
EDUCATION
University of Mumbai
Master's degree, Statistics
ABOUT VIJAY KOPPARTI
Vijay is a seasoned credit risk and analytics leader with expertise in leveraging data, statistical methods, and machine learning to drive business growth and manage risk. He has successfully developed risk models, segmentation strategies, and decision tools, collaborating with cross-functional teams—including Legal, Compliance, Fair Lending, and Model Risk Management—to ensure regulatory alignment. Vijay has led and mentored large, globally distributed teams and is experienced in engaging with internal and external auditors to strengthen governance and transparency
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