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Credit Risk - Acquisition Strategy and Capabilities

https://www.citi.com/ Logo

Citi

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Location:
United States, Wilmington

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Category:
Finance

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Contract Type:
Employment contract

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Salary:

170000.00 - 300000.00 USD / Year

Job Description:

This position is within Citi's USPB In-Business Unsecured Lending Risk. This role will lead the design and execution of the acquisition risk strategy for emerging channels and manage the test-and-learn program across the Unsecured lending portfolios. This role will be responsible for ensuring that credit strategies are analytically sound, compliant with regulatory expectations, and aligned with bank's risk appetite and growth objectives.

Job Responsibility:

  • Lead design and execution of acquisition risk strategy for emerging channels
  • Manage test-and-learn program across Unsecured lending portfolios
  • Ensure credit strategies are analytically sound, compliant with regulatory expectations, and aligned with bank's risk appetite and growth objectives
  • Support management & optimization of acquisition credit policies for $150B+ portfolio
  • Partner with data and platform providers to onboard latest tools, alternative/partner data and technology
  • Partner cross functionally with Product, Marketing, data science, marketing, and compliance teams
  • Design and lead test-and-learn experiments (A/B tests, pilots)
  • Monitor new initiatives and monitor vintage performance
  • Present portfolio performance, risk assessments, and strategic recommendations to executive leadership
  • Lead, mentor, and grow a team of risk and analytics professionals
  • Ensure adherence to internal and external regulatory expectations
  • Ensure strategies are executed in strong control environment

Requirements:

  • 15+ years of experience in credit risk management or lesser with relevant experience in acquisitions credit risk
  • Experience in the financial services industry preferred
  • Demonstrated accountability for delivery of a full range of services to one or more businesses/geographic regions
  • Consistently demonstrate clear and concise written and verbal communication
  • Proven negotiation skills, often used at a senior level
  • Demonstrated ability to synthesize, prioritize and drive results with urgency
  • Ability to obtain support and buy-in across a wide range of internal and external audiences
  • Bachelor's/University degree in statistics, mathematics, economics, or equivalent experience
  • Master's/PhD degree is a plus
  • 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

Nice to have:

  • Master's/PhD degree
  • Experience in financial services industry
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:
October 03, 2025

Expiration:
October 09, 2025

Employment Type:
Fulltime
Work Type:
Hybrid work
Job Link Share:
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