Credit Portfolio Senior Officer, Citi

Citi

Location:
United States, Wilmington

Category:
Finance

Contract Type:
Employment contract

Salary:

144480.00 - 216720.00 USD / Year

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Job Description:

Senior Credit Risk Business Architect to lead the design and oversight of credit risk technology ecosystem. This senior leader will ensure architecture is future-ready, cost-efficient, and capable of delivering exceptional performance across all credit risk functions. The role partners closely with Credit Risk business leaders, IT, and Finance to design, implement, and evolve the technology stack supporting decisioning, monitoring, reporting, and compliance needs.

Job Responsibility:

Establish and maintain the reference architecture for credit risk platforms, applications, and data flows
Define architectural standards, frameworks, and guardrails to guide solution delivery
Provide architectural leadership on design reviews, proof of concepts, and technology evaluations
Ensure systems meet or exceed business expectations for speed, accuracy, and resilience
Anticipate future needs and design scalable solutions to support growth, new products, and regulatory change
Drive innovation by assessing emerging tools, platforms, and methods for credit risk management
Conduct deep analysis of total cost of ownership (TCO) across credit risk technologies
Identify redundancies and opportunities to simplify, modernize, and streamline the stack
Serve as the key liaison between Credit Risk leadership and IT teams
Translate business requirements into technical designs that are practical, scalable, and compliant

Requirements:

10+ years of experience in credit risk, technology architecture, or related roles
Strong background in enterprise architecture, solution design, and systems integration
Proven ability to design and optimize credit risk decision engines, data platforms, and monitoring/reporting solutions
Experience evaluating and implementing large-scale risk systems, including vendor platforms
Strong understanding of cost management, performance optimization, and scalability principles
Ability to bridge business and technology, translating complex needs into actionable designs
Exceptional communication, leadership, and stakeholder management skills
Bachelor's degree in Computer Science, Engineering, Finance, or related field

What we offer:

medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages including vacation, sick leave, and paid holidays
discretionary and formulaic incentive and retention awards

Additional Information:

Job Posted:
September 24, 2025

Expiration:
September 30, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Credit Portfolio Senior Officer

Citi

Location:United States, Wilmington

Category:Finance

Contract Type:Employment contract