Credit Portfolio Senior Officer I

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Job Overview

We are seeking a highly experienced and strategic Senior Credit Risk Business Architect to lead the design and oversight of our credit risk technology ecosystem. This senior leader will ensure our architecture is future-ready, cost-efficient, and capable of delivering exceptional performance across all credit risk functions. The role will partner closely with Credit Risk business leaders, IT, and Finance to design, implement, and evolve the technology stack supporting our decisioning, monitoring, reporting, and compliance needs.

This is a critical role that requires a strong blend of technical architecture expertise, business acumen, and strategic leadership. Key Responsibilities include:

Architecture Design & Oversight

• Establish and maintain the reference architecture for credit risk platforms, applications, and data flows.

• Define architectural standards, frameworks, and guardrails to guide solution delivery.

• Provide architectural leadership on design reviews, proof of concepts, and technology evaluations.

Technology Performance & Scalability

• Ensure systems meet or exceed business expectations for speed, accuracy, and resilience.

• Anticipate future needs and design scalable solutions to support growth, new products, and regulatory change.

• Drive innovation by assessing emerging tools, platforms, and methods for credit risk management.

Cost of Ownership & Optimization

• Conduct deep analysis of total cost of ownership (TCO) across credit risk technologies.

• Identify redundancies and opportunities to simplify, modernize, and streamline the stack.

• Partner with Finance and IT to align investment decisions with value creation.

Business & IT Partnership

• Serve as the key liaison between Credit Risk leadership and IT teams.

• Translate business requirements into technical designs that are practical, scalable, and compliant.

• Ensure architectural decisions proactively address compliance, data governance, and risk control requirements.

Leadership & Influence

• Act as the strategic thought leader for credit risk architecture within the enterprise.

• Build strong partnerships across risk, technology, operations, and finance teams.

• Influence decision-making at senior levels by presenting clear architectural options, trade-offs, and recommendations.

Qualifications

• 10+ years of experience in credit risk, technology architecture, or related roles.

• Strong background in enterprise architecture, solution design, and systems integration.

• Proven ability to design and optimize credit risk decision engines, data platforms, and monitoring/reporting solutions.

• Experience evaluating and implementing large-scale risk systems, including vendor platforms.

• Strong understanding of cost management, performance optimization, and scalability principles.

• Ability to bridge business and technology, translating complex needs into actionable designs.

• Exceptional communication, leadership, and stakeholder management skills.

• Bachelor’s degree in Computer Science, Engineering, Finance, or related field

Success Measures

• Delivery of a unified credit risk architecture roadmap aligned with business strategy.

• Reduction in technology cost of ownership while maintaining or improving performance.

• Improved alignment between Credit Risk, IT, and Finance in system design and investment decisions.

• Scalable architecture supporting future business growth, regulatory needs, and innovation.

• Recognition as the strategic architecture authority for credit risk capabilities.

The complexity and scale of our credit risk ecosystem requires a dedicated senior leader to ensure we are building and maintaining best-in-class business architecture that supports both current and future business needs. The Senior Credit Risk Business Architect will serve as the strategic design authority for all credit risk technology and process capabilities, ensuring alignment between business objectives, regulatory requirements, and enterprise technology standards.

Unlike traditional project delivery roles, the Architect provides holistic oversight across platforms, applications, and data flows, ensuring we are designing solutions that are scalable, resilient, cost-effective, and aligned with long-term business priorities. This role bridges the gap between technology and business, guiding how we design, integrate, and evolve the credit risk stack to support decisioning, monitoring, reporting, and control functions.

Key rationale for the role includes:

Architecture Design Leadership

• Establish and maintain the reference architecture for all credit risk capabilities, spanning data ingestion, modeling, decision engines, monitoring tools, and reporting solutions.

• Provide deep architectural design expertise to ensure our solutions are future-ready, modular, and flexible for evolving needs.

• Create architectural patterns and guardrails that balance performance, security, regulatory compliance, and operational resilience.

Cost of Ownership & Efficiency

• Drive a deeper evaluation of total cost of ownership (TCO) across credit risk platforms, ensuring investment decisions are well-informed and sustainable.

• Identify redundancies, inefficiencies, and opportunities to simplify the technology ecosystem while maintaining or improving performance.

• Partner with Finance and IT to align cost structures with value creation.

Performance & Scalability

• Ensure that the technology stack underpinning credit risk delivers the highest level of performance to support decision speed, accuracy, and reliability.

• Anticipate and proactively design for volume growth, regulatory changes, and new product needs.

Partnership Across IT & Business

• Act as the key liaison between IT and business owners across credit risk, translating business needs into technical solutions that are both practical and scalable.

• Serve as the integrator who ensures that business priorities, risk requirements, and technology design remain tightly aligned.

• Provide architectural guidance during vendor evaluations, proof of concepts, and technology onboarding.

Proactive Risk & Innovation

• Ensure architecture decisions proactively address emerging risks, compliance expectations, and data governance requirements.

• Drive innovation by evaluating new tools, technologies, and methods that could advance our credit risk strategy and strengthen competitive advantage.

Summary - The Senior Credit Risk Business Architect is not simply a technology specialist—it is a strategic leadership role that ensures credit risk capabilities are architected for resilience, scalability, cost-effectiveness, and high performance. By partnering across IT, Finance, and Credit Risk business owners, this role will help us build a unified, future-ready credit risk technology ecosystem that supports business growth, regulatory compliance, and operational excellence.

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Primary Location:

Wilmington Delaware United States

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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.

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

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

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Anticipated Posting Close Date:

Sep 30, 2025

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