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SVP, Credit Risk Digital Transformation Senior Business / Data Analyst

Irving, Texas| Tampa, Florida| New York, New York

Job Req ID 23603931
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Citi is undergoing a Transformation to modernize and simplify the bank. We’re raising the bar and taking the opportunity to reevaluate the way we do business. This includes fostering a culture of curiosity and excellence and shifting our mindset to be simpler and data driven, making Citi an easier place to work and improving client experience. If you’re ready to be at the forefront of Transformation while taking your career to the next level, we invite you to come and join us!

Success Profile

As one of the world’s most global banks, Citi gives you the tools to make a difference. Through Transformation, we’re building the future of the bank and shaping the banking industry. Citi employs over 220,000 individuals located around the world, encompassing a broad range of teams, roles, cultures and backgrounds. Some of the skills that will make you successful in this role include:

  • Cross-Functional Collaboration
  • Credible Challenge
  • Risk Management
  • Data and Results Driven
  • Accountable
  • Adaptable


As part of Personal Banking and Wealth Management (PBWM) Credit Risk Strategy and Execution (CRSE) function, this role will lead key strategic initiatives focusing on risk policy, monitoring, oversight process and controls analysis, definition of future state approach for digitization including methodology and requirements for platforms, analytics, calculations, dashboards and workflows.  It will also focus on risk oversight process transformation and digitization covering 15+ processes including RAF, Limits, breaches, Policy approvals, performance and policy exceptions, benchmarks etc., across number of programs.

This role will ensure compliance to all consumer risk framework requirements according to Heightened Standards. This is achieved by performing assessment of various consumer risk framework components and identifying enhancement opportunities and independent review / monitoring of key consumer risk processes that impact overall framework compliance. The responsibilities also include risk framework digitization strategic business requirements, and transformation / digitization target state definition and alignment with consumer risk framework – with continuous partnership with 1st and 2nd lines of defense.

This role also will support Independent PBWM Credit Risk organization across data efforts, regulatory and risk reporting. The role will ensure that all stakeholders adhere to Citi’s Data Management Policies and maintain alignment with overall Data Governance processes and standards. The role will act as the key point of contact on all things data and will help run data management activities, prioritize and centrally coordinate tactical and strategic efforts, and maintain up to data documentation for the processes they oversee.

Key Responsibilities:

  • Lead the delivery of multiple risk oversight transformation / digitization programs requirements – including all phases of discovery, business requirements documents, interaction with Technology development, providing expertise during user testing, and achieving final operationalization with all required controls and procedures
  • Define role-based strategy design including providing inputs to transformation programs on business requirements for analytics, calculations, dashboards and workflows to enable delivery of seamless risk user & role-based journeys (from CRO to Group Risk Directors to Business Risk Managers)
  • Perform deep-dives, peer reviews, & on the ground support for risk management processes transformation requirements; serve as a subject matter expert and primary point of contact that the organization can leverage for expertise and advice
  • Analyze and evaluate current risk management business processes, anticipate requirements, and identify areas for transformative / digitization improvements
  • Lead ongoing reviews of business processes and develop optimization strategies for assigned programs
  • Analyze and derive insights from large amounts of complex information, to make informed business decisions
  • Articulate the transformative improvements as business requirements for platforms, analytics, calculations, dashboards and workflows
  • Become the subject matter expert (SME) on Consumer risk framework, be able to provide educated opinion on how policy and process enhancements within PBWM will impact compliance with consumer risk framework and Heightened Standards
  • Act as thought leader in all aspects of governance, risk management and internal controls and work proactively with Retail Risk colleagues to provide valued and timely consumer risk management services and support
  • Regularly and effectively communicate with senior stakeholders, both verbally and written, the strategic vision of target state consumer risk framework digitization, as well as progress of path to strong effort
  • Provide effective challenge to owners of Consumer risk framework processes and partner with them to enhance such processes when required
  • Enforce consumer independent risk exam and issue management framework, ensuring high quality deliverables to satisfy Internal Audit’s requests and issues are being addressed timely
  • Design and perform quality assurance testing of transformation / digitization deliverables
  • Identify thematic areas of review / analysis of emerging risks and share with key stakeholders
  • Drive and execute BAU and Strategic risk projects in support of a broad range of risk management and regulatory related data, reporting and analysis activities
  • Responsible for providing risk strategic analytics, information management across Citibank products and reports to senior management
  • Regulatory risk project management ownership (business requirements, analysis and testing) for delivery of regulatory and risk oversight solutions
  • Responsible for enabling Independent Risk/2nd Line function to adopt enterprise data policies and standards
  • Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency

Development Value:

  • Learn skills across risk and controls that are transferable across the organization and advance career progression
  • Access to senior leaders and teams to help shape a strong control environment and increase visibility
  • Be a strategic change maker that can influence the design and implementation of the risk processes to reduce inefficiencies
  • Continuously enhance leadership and technical skills through both Citi sponsored courses and internal training


  • 10+ years of experience preferred in a mix of the following functions: risk management and oversight, strategic consulting, or policy and risk framework
  • Experience in consumer / retail credit risk preferred
  • Good understanding of industry best practices in risk framework, governance, and oversight process
  • Comfortable with independent review and challenge
  • Should have Excellent proficiency in data profiling and Microsoft Office – particularly Excel (metrics and data analysis), PowerPoint (presentation decks), and Word (writing and editing procedural and technical documentation)
  • Good understanding of technology development life cycle and private banking products and data
  • Project management knowledge and experience working with diverse group of stakeholders to achieve milestones and deadlines and capability to handle multiple projects at one time
  • Familiarity with regulatory landscape facing global banks. Ideally, have worked in banking industry or regulators institutions
  • Previous experience in managing Regulatory Inspections and Audits within a financial services company desirable


  • Strong analytical, critical thinking and problem-solving abilities
  • Strong presentation and communication skills, especially in power-point format
  • Excellent judgment and independent decision-making ability
  • Strong attention-to-details


  • Bachelor's degree required
  • Superior communication, presentation, articulation and negotiation skills
  • Ability to influence senior stakeholders including CROs and MDs


Job Family Group:

Risk Management


Job Family:

Risk Policy


Time Type:

Full time


Primary Location:

Irving Texas United States


Primary Location Salary Range:

$150,940.00 - $226,410.00


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.

View the "EEO is the Law" poster. View the EEO is the Law Supplement.

View the EEO Policy Statement.

View the Pay Transparency Posting

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  • Join our team
    of 220,000+
    strong diverse employees

  • Socially minded employees volunteering in communities across 90 countries

  • Meaningful career opportunities thanks to a physical presence in over 95 markets

We foster a culture that embraces all individuals and encourages diverse perspectives, where you can make an impact and grow your career. At Citi, we value colleagues that demonstrate high professional standards, a strong sense of integrity and generosity, intellectual curiosity, and rigor. We recognize the importance of owning your career, with the commitment that if you do, we promise to meet you more than half way.

Success Stories

Usman B.

Usman B.

“By joining Transformation, you will be at the center of driving change at Citi. You’ll help us lay the foundation to make this a better place to work and do business by implementing sound risk and controls. This team will give you a launchpad of endless opportunities to grow as a professional and challenge yourself while working across various functions.”

Risk & Controls Transformation Lead
New York

Cynthia D.

Cynthia D.

“Citi hires people for their potential and not just their experience. This gives people, including myself, the opportunity to try different roles and explore new careers. Transformation at Citi is a new adventure and will challenge how we do things at Citi: with clients, with regulators and with our peers.”

Mexico Transformation Head

Dan F.

Dan F.

“Data Transformation is a great area to be a part of at Citi. Data is at the heart of our business and ensuring that our data is of good quality with clear ownership is imperative to our success.”

Data Operating Model and Governance Program Lead
New York


Shahzad A.

“This is an exciting area to work in at Citi! Being part of Transforming a 200+ year-old institution is a once in a lifetime opportunity. This is relatively new work, so not only you can learn new skills and get exposure, but you can play a pivotal role in shaping the Citi of the future.”

Data Tooling and Capability Head

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