Credit Risk Policy Management Senior Officer

Credit Risk Policy Management Senior Officer

The Credit Risk Policy Management Senior Officer position is a senior-level position responsible for leading activities including credit review, credit approvals, and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to client and counter parties globally.

• Lead key business projects in credit cards risk management across the customer lifecycle such as Acquisitions, CLI, CLD, Balance Transfer, and Loss Forecasting within the first line of defense of risk management.
• Lead the implementation of initiatives related to policy governance and manage policy exceptions, approvals, and entries.
• Focus on process improvement and creating efficiencies by ensuring an effective approach and partnership with Audit management and applying consumer risk function knowledge (e.g., scoring and segmentation techniques and their uses).
• Conduct gap analyses and remediation work of any misalignments for credit policy changes.
• Ensure test and significant credit changes are adequately reported and tracked and Peak Ending Net Receivables (ENRs) are adequately approved and stored systemically.
• Provide regular feedback on all initiatives, tracking, reviews and reporting emerging trends and opportunities to senior management.
• Establish cross-functional partnerships and networks to contribute to and execute cross‑functional and business initiatives, such as developing/maintaining infrastructure through partnership with the Centralized Risk Infrastructure team.
• Maintain close working relationships with Cards Product team, Finance, Analytics, and Risk management.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

• 10+ years of experience in credit risk management or equivalent training and experience, preferably in the financial services industry.
• Experience in people management and leadership.
• Working knowledge of SAS or SQL programming and MS Office software proficiency.
• Consistently demonstrate clear and concise written and verbal communication.
• Demonstrated ability to view data holistically and remain detail oriented to synthesize, prioritize and deliver results with urgency.
• Demonstrated interpersonal, organizational, analytical, presentation, facilitation, negotiation and strategic skills.
• Proven ability to obtain support and buy‑in across a wide range of internal and external audiences.
• Demonstrated work ethic and influencing skills.

• Bachelor’s degree/University degree or equivalent experience.
• Master’s degree preferred.

Wilmington, Delaware, United States

$ – $ per year. In addition to salary, Citi’s offerings may also include discretionary and formulaic incentive and retention awards. Benefits include medical, dental, vision coverage; 401(k); life, accident, and disability insurance; wellness programs; paid time off (vacation, sick leave, holidays). Available offerings may vary by jurisdiction, job level, and date of hire.

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