Vp, credit risk officer, Citi

Citi

Location:
United States, Atlanta, Georgia ▼
Wilmington, Delaware
O'Fallon, Missouri
Jacksonville, Florida

Category:
Finance

Contract Type:
Not provided

Salary:

107120.00 - 160680.00 USD / Year

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Job Description:

The Small Business Credit Risk Officer will support the credit policy and strategy analytics team in development, implementation, and management of credit risk strategies and policies. This role includes assessing internal and external data sources for inclusion into policies and lending platform along with model-based decisioning to meet Citi’s risk appetite through multiple delivery channels. This role requires prior commercial lending strategy experience and a deep level of understanding of statistics, data, modeling, and analytical tools to creatively support the responsible growth of the small business portfolio. Collaborative and project management skills are desirable as the responsibilities are broad and multi-faceted. This role will liaise with all aspects of Small Business stakeholders including Sales, Product, Modeling, Credit Operations, Independent Risk, Legal, Compliance, and others to execute and monitor our strategies.

Job Responsibility:

Develop origination and portfolio strategies internally by leveraging data analytics inclusive of score-based models, on-us/off-us data, and business rules
Support Portfolio Risk Manager to optimize risk-return dynamics of the Small Business loan portfolio by overseeing credit risk strategies and developing recommendations for policy optimization throughout the loan lifecycle
Develop framework for portfolio risk assessment including evaluation of credit and financial performance across varied lending products and industry segments
Understand applicable credit policies, industry regulations and the requisite impact of those governance items to new initiatives
Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity
Tracks and reports all initiatives, emerging trends and opportunities to Portfolio Risk Manager on a timely basis
Stay abreast of emerging industry trends in data analytics and perform proactive analytics to assess and support portfolio and origination strategies
Proactively identify emerging risks within the portfolio and gaps that might compromise Credit Policy strategies and increase losses
Liaise with key stakeholders to advance and support initiatives
Self-starter to ensure completion of tasks and project timelines, impart knowledge and rationale for proposed strategies, and foster as an incubator for innovation
Knowledge of Citibank credit policies and practices and regulatory policies, to assist unit in achieving compliance with the above and satisfactory ratings from internal and external auditors

Requirements:

6-10 years of experience in credit risk management in the financial services industry performing quantitative analysis, statistical modeling, and implementation of credit scoring models
Bachelor’s degree in Business, Statistics, or other quantitative field
Advanced Degree not required but desirable in Economics, Finance, Statistics or Applied Mathematics
Active role in performing some analytical components of model development (data collection, data integrity check, segmentation analysis, variable transformation, variable selection, model estimation, sensitivity testing, back testing, out-of-time testing, model documentation, & model production implementation)
Prior experience working in a regulatory and compliance policy environment

Nice to have:

Demonstrated ability to proactively synthesize, prioritize and drive results with a high sense of urgency
Strong communications/presentation skills, capable of interacting effectively both technical and non-technical audiences
Ability to obtain support and buy-in across a wide range of stakeholders
create a strong network of relationships among peers, internal partners, external constituencies, and decision makers
Thinks strategically and articulates concepts clearly
Ability to see the "big picture" without losing attention to detail
Must be highly organized and able to work in a fast-paced environment managing multiple projects and possess strong interpersonal, organizational and analytic skills
Working knowledge of internal systems such as CI-CDE, and SAS or SQL programming and Microsoft Office required

What we offer:

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

Additional Information:

Job Posted:
June 06, 2025

Expiration:
June 12, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Vp, credit risk officer