Credit Risk Modernization Program Leader

• Lead key business projects and 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 apply consumer risk function knowledge
• Conduct gap analyses and remediation work of any misalignments for 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
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup
• Collaborate closely with the Credit Risk, Compliance, and Technology teams to ensure that technology investments support the broader credit risk management strategy and operational goals
• Drive the development and implementation of innovative solutions that enhance credit risk management capabilities
• Ensure that all technology programs are designed to mitigate risk, enhance decision-making, and improve the organization’s ability to adapt to evolving credit risk environments
• Serve as the primary liaison between business leaders, technology teams, and external stakeholders
• Provide regular updates to executive leadership on program performance, risks, and opportunities
• Lead executive steering committees, providing strategic direction on program priorities, investment decisions, and resource allocation
• Ensure that all credit risk technology programs are aligned with the organization’s risk appetite, regulatory framework, and operational goals
• Lead initiatives to enhance governance and control frameworks for credit risk technology solutions
• Collaborate with internal audit and regulatory teams to ensure that all technology solutions meet compliance and risk management expectations

• 10+ years of experience in credit risk management in the financial services industry
• Experience in people management and leadership
• Working knowledge of SAS or SQL programming and MS Office software proficiency required
• 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

• medical, dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• wellness programs
• paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays