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Head of Citi Retail Services Existing Card Member (ECM) Risk

Job Req ID 23617450 Location(s) Atlanta, Georgia; Wilmington, Delaware; O'Fallon, Missouri; Elk Grove Village, Illinois; Irving, Texas Job Category Risk Management
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Citi Retail Services provides consumer and commercial credit card products, both private label and co-branded, to retailers and their clients across North America. The business serves nearly 75 million accounts for a number of iconic brands, including Best Buy, ExxonMobil, Macy's, Sears, Shell, and The Home Depot. In addition to credit services, Citi Retail Services distinguishes itself by offering cutting-edge digital options, multi-channel retailing expertise and industry-leading analytics capabilities that help retailers grow their businesses.

Integral to the success of Retail Services is a strong and effective Risk Management team that allows us to serve our customers while protecting Citi’s interests.

Role Summary:

The Retail Services Chief Risk Officer is currently seeking an experienced, executive leader for the Existing Card Member Risk Head role. This essential risk leadership position will be responsible for leading a best-in-class team that drives sustainable growth within Citi’s Risk Appetite, supported by the power of analytics, effective governance, customer focus, and strong partnerships across the enterprise. The incumbent will manage the ECM strategies across the Retail Services’ private label, cobrand and fee products, while continuously delivering advances in analytics and credit strategies.

The pace, breadth, and complexity of challenges that the Risk Management organization must address continue to expand rapidly.  The role will be responsible for appropriately assessing the dynamic evolution of consumer behavior, delivering growth through new processes and data while adhering to regulatory and policy requirements.

Key responsibilities of this position include:

  • Manage & optimize the existing card member credit policies for a $45B+ portfolio
  • Partnering with the portfolio Chief Risk Officers, client teams and the marketing organization to deliver growth through broad initiatives (including new products, machine learning models, new and varied data sources and customer channels)                               
  • Building a comprehensive test and learn approach using experimental techniques to identify new customer segments, alternative data, and tools through a culture of innovation
  • Prioritizing the book of work through by developing a strategic vision that engages a diverse group of stakeholders
  • Managing a geographically dispersed team to deliver on initiatives
  • Ensuring a consistent and strong control environment 


  • 15+ years of relevant risk management or financial services experience required
  • 5+ years of people management experience, including experience as a manager of managers
  • Possesses a complex mix of skills and leadership attributes including in-depth knowledge and experience of Cards P&L, sophisticated analytical abilities including the know-how to lead statistically advanced analyses, interface with the modeling teams on sophisticated techniques such as machine learning
  • Demonstrated excellence in managing an analytical team - must have experience in delivering large-scale credit policy changes and communicating them to a diverse audience
  • Ability to prioritize and project manage in a dynamic, fast-paced environment
  • A penchant for driving execution and analytical excellence through personal examples and ability to effectively engage and inspire the team
  • Working knowledge of the applicable laws and regulations that govern lending in a large financial institution
  • Education Level: Bachelor's Degree, MBA/MS preferred in risk management, finance, engineering, mathematics, or statistics

Leadership Competencies:

  • Demonstrated roles of increasing accountability for P&L outcomes
  • Experience with establishing a strategic vision and driving change to achieve business targets
  • Strong interpersonal skills and ability to influence at all levels of management
  • Superior leadership and team building skills, with a strong track record for attracting and developing high performing risk management talent
  • Capable of effectively managing a significant team size dispersed across multiple geographical locations, with an ability to continually elevate performance standards


Job Family Group:

Risk Management


Job Family:

Credit & Portfolio Risk Management


Time Type:

Full time


Primary Location:

Atlanta Georgia United States


Primary Location Salary Range:

$170,000.00 - $300,000.00


Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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 at Citi.

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