Credit Risk - Acquisition Strategy and Capabilities

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Job Overview

We, at Citi, believe in the power of Data and Analytics driven decision making. Our high-quality financial products and services enable consumers and businesses to prosper and grow in domestic markets, as well as internationally. We put the customers at the center of everything we do and data at the center of how we do it. We continue to combine our scale, digital capabilities, and ecosystem to be where our customers need us to be. Data Science enables us to make our decisions better, faster and our products and services relevant to our customers.
We have made it a priority to foster a culture of inclusion where the best people want to work, where people are promoted on their merits, where we value and demand respect for others, and where opportunities to develop are widely available to all.

Job Description

This position is within Citi’s USPB In-Business Unsecured Lending Risk. This role will lead the design and execution of the acquisition risk strategy for emerging channels (e.g. online prequal, paid media) and manage the test-and-learn program across the Unsecured lending portfolios (Cards, Personal Loans, Merchant Installment Loans, Lines of credit). This role will be responsible for ensuring that credit strategies are analytically sound, compliant with regulatory expectations, and aligned with bank’s risk appetite and growth objectives.

In this role, you will

• Support management & optimization of the acquisition credit policies for a $150B+ portfolio that generates 15MM new accounts annually

• Continuously explore new capabilities. Partner with data and platform providers to onboard the latest tools, alternative/partner data and technology

• Partner cross functionally with Product, Marketing, data science, marketing, and compliance teams to design, implement, and validate acquisition strategies for the emerging channels.

• Design and lead test-and-learn experiments (A/B tests, pilots) to validate assumptions, quantify tradeoffs, and calibrate underwriting/line assignment logic

• Monitor new initiatives and monitor vintage performance on a granular level, perform root cause analysis, and recommend policy adjustments

• Present portfolio performance, risk assessments, and strategic recommendations to executive leadership

• Lead, mentor, and grow a team of risk and analytics professionals

• Ensure adherence to internal and external regulatory expectations

• Ensure strategies are executed in a strong control environment

We will be thrilled to have someone who is

• An experienced credit policy manager – who has the vision and can adapt to changing technology and the demands of the governance and regulation.

• Creative –who can take a concept and give it shape and structure. Is not afraid to ask questions and loves playing with new ideas.

• Has good Judgment – knows when something does not add up and is not right. Has attention to details and can get into the weeds when needed.

• A Leader – leads by example and is not afraid to challenge status quo. Inspires people with presence. Knows talent when they see it and will create a conducive environment to nurture and grow it.

Basic Qualification

• 15+ years of experience in credit risk management or lesser with relevant experience in acquisitions credit risk

• Experience in the financial services industry preferred

• Demonstrated accountability for delivery of a full range of services to one or more businesses/geographic regions

• Consistently demonstrate clear and concise written and verbal communication

• Proven negotiation skills, often used at a senior level

• Demonstrated ability to synthesize, prioritize and drive results with urgency

• Ability to obtain support and buy-in across a wide range of internal and external audiences

Education:

• Bachelor’s/University degree in statistics, mathematics, economics, or equivalent experience. Master’s/PhD degree is a plus

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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:

$170,000.00 - $300,000.00

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:

Oct 09, 2025

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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.

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