Credit Portfolio Officer-Hybrid

The Change Management Data Leader for Credit Risk is responsible for delivering on the end-to-end lifecycle of data utilized in credit risk decisioning systems, rules engines, and regulatory reporting. This role involves the integration, transformation, summarization, and governance of complex data sets, ensuring the accuracy, consistency, and control of data across multiple platforms and processes.

The ideal candidate will bring strong skills in data journey, attribute creation, aligning data controls, and data integration strategies with broader risk management objectives, ensuring data quality to support high-stakes credit decisions, and regulatory reporting is accurate, timely, and compliant.

Key Responsibilities:

Strategic Data Integration:

• Define and execute a comprehensive data integration and summarization strategy, ensuring all credit risk-related data is aligned with the organization’s risk management objectives and regulatory reporting requirements.
• Development and deliver robust data controls, ensuring data is accurate, consistent, and secure across all systems, particularly those that drive rules engines and regulatory reporting processes.
• Architect scalable and resilient data integration pipelines that support real-time decisioning and long-term regulatory compliance in the evolving credit risk landscape.

Data Transformation & Summarization:

• Execute the transformation of raw and disparate data sets into actionable insights that support both strategic and tactical decision-making within credit risk frameworks.
• Implement sophisticated data summarization techniques that provide clarity on key performance indicators, risk metrics, and regulatory requirements, ensuring the data drives accurate and timely credit risk reporting.
• Support initiatives that leverage emerging technologies (AI/ML) to enhance the speed, accuracy, and scalability of data integration and summarization processes.

Build, Unit Test, and Deploy:

• Execute end-to-end delivery process for building, testing, and deploying data pipelines, ensuring seamless integration with rules engines and decisioning platforms.
• Design and execute unit tests, ensuring that data transformations and controls are thoroughly validated before deployment.
• Ensure continuous improvement of data delivery methodologies, promoting automation and operational excellence in the build, test, and deployment of credit risk data solutions.

Regulatory Reporting & Compliance:

• Ensure that all data driving regulatory reporting is accurate, timely, and adheres to both internal and external compliance standards, including OCC, CFPB, and Fed regulations.
• Collaborate closely with compliance and regulatory teams to ensure that data integration processes meet the evolving demands of regulatory scrutiny and industry best practices.
• Design data-driven processes and systems that streamline reporting, reducing manual interventions while enhancing accuracy and timeliness.

Data Governance & Control Framework:

• Deploy a governance framework that ensures the accuracy, security, and quality of data throughout its lifecycle—from ingestion to reporting.
• Implement data control mechanisms that proactively monitor for and mitigate risks related to data accuracy, completeness, and consistency in credit risk models and decisioning platforms.
• Collaborate with senior leadership across Risk, IT, and Compliance to ensure data governance practices align with both internal policies and external regulatory requirements.

Cross-Functional Collaboration & Stakeholder Engagement:

• Engage with senior stakeholders across Risk, IT, Compliance, and Business units to ensure that data strategies are aligned with organizational goals and business outcomes.
• Build strong partnerships with technology teams to ensure that data pipelines are seamlessly integrated with credit risk systems, ensuring agility and scalability as business needs evolve.
• Act as a key liaison to regulators, industry groups, and external auditors, representing the organization in discussions around data governance, controls, and regulatory reporting practices.

Innovation & Continuous Improvement:

• Champion innovation efforts that enhance the automation, scalability, and efficiency of data integration and controls within the credit risk framework.
• Stay at the forefront of industry advancements in data governance, AI/ML, and data transformation technologies, applying these insights to continuously improve data management processes.
• Proactively identify areas for improvement in the data lifecycle, driving projects that reduce costs, increase accuracy, and improve compliance outcomes.

Key Qualifications:

Educational Background:

Advanced degree in Data Science, Information Technology, Risk Management, or a related field is required. Certifications Data Management or Risk Technology are highly preferred.

Extensive Data Summarization / Data Management Experience:

• 5+ years of direct hands-on experience with data summarization. Attribute Toolbox (ATB) and Magnum preferred.
• 7+ years of experience in data management, risk technology, or financial services, with at least 5+ years leading enterprise-level data integration and governance initiatives.
• SAS Programming and Microsoft Office proficiency are highly desirable.
• Proven ability to deliver complex data integration and governance projects within large-scale, highly regulated environments.

Data Governance & Controls:

• Experience in designing and implementing data management and governance frameworks that align with regulatory standards, including experience with data controls, summarization, and transformation in a credit risk context.
• Strong expertise in managing data used in decisioning systems, rules engines, and regulatory reporting, ensuring accuracy and consistency throughout the data lifecycle.

Technology & Innovation:

• Demonstrated experience with modern data integration tools, cloud platforms, and emerging technologies (AI/ML) that drive data transformation, testing, and deployment.
• A track record of innovation efforts that enhance the automation and efficiency of data delivery, ensuring timely and accurate reporting across credit risk platforms.

Regulatory Knowledge & Compliance:

• Understanding of regulatory requirements in credit risk, including OCC, CFPB, and Fed regulations, with experience ensuring compliance related to data initiatives.
• Relationships with regulatory bodies and industry groups is a plus.

Stakeholder Management & Executive Communication:

• Exceptional communication and presentation skills, with the ability to engage senior leadership and external stakeholders on complex data and risk management topics.
• Proven ability to drive cross-functional collaboration, ensuring that data strategies are aligned with risk, compliance, and business objectives.

Financial Acumen:

• Strong financial management skills with experience managing large-scale data projects, including budgeting, forecasting, and cost optimization.

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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.

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Anticipated Posting Close Date:

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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.

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