Senior Vice President - Portfolio Credit Risk Management 2nd LOD Sr. Lead Analyst - Risk (Hybrid)

Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

Description

The Senior Vice President (SVP), Portfolio Credit Risk Manager in Wealth Risk Management is a senior leadership role within the Second Line of Defense (2LOD). This position provides independent risk oversight for a diverse portfolio, including retail-unsecured portfolios and wholesale securities-based lending (SBL) from the Wealth at Work (WaW) and US Consumer Wealth (USCW) business segments.

The core objective is to lead portfolio risk management activities to minimize credit losses and protect the Citigroup franchise and reputation. This individual will ensure portfolio risks remain within the firm's established risk appetite, align practices with regulatory and internal frameworks, and provide effective, objective challenge to the First Line of Defense (1LOD).  The SVP will also evaluate emerging risks linked to client behavior, market conditions, and macroeconomic trends to protect the firm's financial stability.

Responsibilities

• Provide effective challenge to Portfolio Risk management activities. 
• Supervise, scrutinize, and provide credible challenge to 1LOD underwriting, exposure management, and margin practices to ensure alignment with the firm's risk appetite.
• Partner on the end-to-end framework for credit reserve adequacy, including portfolio-level risk appetite statements and stress thresholds.
• Oversee, analyze, challenge and approve, as applicable, retail unsecured credit loan and counterparty transactions, providing credit recommendations and guidance to senior risk managers and structuring transactions to contain credit risk within acceptable parameters.
• Provide independent oversight of SBL portfolios, encompassing collateral quality, margin methodologies, and stress testing.
• Assess the effectiveness of credit risk processes, product programs, and standards to identify opportunities for improvement and drive strategic enhancements.
• Provide an autonomous assessment of the accuracy and appropriateness of risk ratings and classifications for assigned portfolios.
• Interface as needed with regulators and internal audits, managing information requests and overseeing any required remediation efforts.
• Partner with stakeholders to understand data sources and improve the process of defining, extracting, and utilizing data for risk management purposes.
• Review and assess the appropriateness, completeness and functionality pf controls applicable to WaW/USCW Risk and manage the performance of same where applicable.
• Report to and assist the WaW/USCW Risk Head with tasks as required and perform other assigned duties.

Qualifications

• 10+ years of prior experience in a credit-related, risk management, or banking role, with a strong background in Wealth Management, Retail Risk, or related business functions.
• Solid knowledge and hands-on experience in risk management, especially with credit portfolios, exhibiting abilities in scrutinizing, probing, and supervising first line of defense risk management
• Strong familiarity with collateral management, market risk dynamics, and regulatory expectations for consumer credit and SBL.
• Knowledge of Citi Retail Credit Risk and Wholesale Credit Risk policies and frameworks.
• Proficiency in credit analysis, counterparty risk, and portfolio stress testing, with the ability to predict and plan for potential market fluctuations.
• Excellent communication and presentation skills, with a demonstrated ability to explain complex financial concepts to diverse stakeholders, negotiate effectively, and influence strategic decisions.
• Proven ability to operate independently, deliver under tight timeframes, and manage multiple complex activities in a fast-paced environment.
• Demonstrated leadership in driving collaboration across teams.
• Exceptional project management skills, with the capability to oversee multiple projects from inception to completion.
• Proficiency in ensuring compliance with legal and regulatory requirements.

Education

• Bachelor's degree/University degree or equivalent experience.
• Master's degree preferred.

------------------------------------------------------

Job Family Group:

Risk Management

------------------------------------------------------

Job Family:

Portfolio Credit Risk Management

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Primary Location:

Irving Texas United States

------------------------------------------------------

Primary Location Full Time Salary Range:

$144,480.00 - $216,720.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

------------------------------------------------------

Most Relevant Skills

Analytical Thinking, Credible Challenge, Governance, Monitoring and Evaluation, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment, Risk Remediation.

------------------------------------------------------

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

------------------------------------------------------

Anticipated Posting Close Date:

Apr 17, 2026

------------------------------------------------------

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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.

View Citi’s EEO Policy Statement and the Know Your Rights poster.