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Career Opportunity

Credit Risk Policy Manager

Locations: Sydney, New South Wales Job Function: Risk Management Employee Status: Regular Job ID: 20196307

This is a key position within the Unsecured Risk team responsible for analytics to manage policies and product risk for Citi’s Credit Card portfolios. This role has high visibility which requires interaction with product, marketing, decision management, finance, credit operations and risk stakeholders at a local/regional level while delivering proactive insights and strategies to manage credit losses within Citi’s Risk appetite framework.


  • Identify opportunities for further enhancement of strategies for growing the portfolio by carrying out analytics projects with business risk /rewards perspective
  • Develop, maintain and manage credit policies to provide optimal risk and reward trade-off
  • Track portfolio trends and initiate timely control actions
  • Liaise with internal stakeholders and keep them abreast of credit performance and proactively drive actions as necessary. Ensure clear communication of priorities/deliverables to manage expectations
  • Responsible for portfolio performance in line with forecasts
  • Interact with Product and Marketing teams for launch approval of new campaigns
  • Work with credit operations unit for implementation and governance of credit policies
  • Assess and revise Cards risk appetite framework including development of appropriate benchmarks, initiate champion/challenger initiatives to test boundaries while maintaining healthy risk returns
  • Ensure timely completion of regional deliverables including performance monitoring, portfolio quality review and any other ad hoc deliverables

Technical/Specialist skills/competencies

  • Strong analytical and data mining techniques – such as SAS programming, decision tree tools and advanced Excel
  • Applies numerical and analytical skills to support ideas and portfolio performance  
  • Data mining skills to a high level of complexity
  • Applies complex models to measure risk
  • Use knowledge of business when conducting analytics

Business/Industry knowledge/competencies

  • Knowledge of Unsecured Lending business and risk management
  • Ability to present analytical trends into meaningful actionable strategies while thinking holistically
  • Proactive identification of issues/pressure points and initiation of corrective actions as necessary


  • University degree (Quantitative Academic qualification preferred)
  • Minimum of 7+ years in similar roles.


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Time Type :


Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

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