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The health and safety of our colleagues and candidates for employment are our highest priority. Accordingly, Citi continues to monitor the COVID-19 situation closely. We have implemented precautionary measures across our firm globally, including conducting all candidate interviews virtually on a temporary basis until further notice where needed.

SVP, Credit Portfolio Sr. Risk Manager (Risk Appetite) Hybrid

Job Req ID 22581434 Location(s) Wilmington, Delaware; New York, New York; Elk Grove Village, Illinois; Irving, Texas Job Category Risk Management
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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


This role supports the management of Risk Appetite Framework within Citi North America Cards business. Financial institutions need to have a comprehensive risk appetite framework in place that helps them better understand and manage their risks by translating risk metrics and methods into strategic decisions, reporting, and day-to-day business decisions. Risk appetite is considerably more than a sophisticated key performance indicator (KPI) system for risk management. It’s the core instrument for better aligning overall corporate strategy, capital allocation, and risk. A comprehensive risk appetite framework is the cornerstone of a new risk management architecture.

This role requires an individual with at least 10 years of credit risk management experience, strong statistical and data analysis skills, technical SAS skills, an ability to derive analytical solutions based on business knowledge and objective judgment of the balance between risk and reward.  A successful candidate would demonstrate an ability to leverage credit risk data and business acumen to observe key trends / threats / inaccuracies; drivers of those observations; and communicate those observations to ensure consistency and compliance with global credit policies. It is critical to demonstrate the ability to manage initiatives across cross-functional units in a matrix organization.


  • Identify key risks, develop risk tolerance metrics and thresholds that could compromise risk appetite of the bank, monitor them monthly
  • Develop and monitor risk tolerance metrics, perform in-depth analysis on cards portfolio performance and present key findings and recommendations to management
  • Provide the Business with indications of credit quality and deploy appropriate benchmarks across the credit life cycle
  • Provide analytical assessment linking credit risk/portfolio performance with Capital consumption
  • Leverage values-based interpretation of RWA output with in-depth understanding of Basel model dynamics and metrics (PD, LGD, EAD, etc.)
  • Prepare executive presentations as part of Regulatory decks and senior management committees
  • Contribute to the analysis and preparation of reports including but not limited to: portfolio concentrations, limit exceptions, stress testing, loss reserves or high-risk exposures.
  • Conduct process reviews to ensure Reporting processes are efficient and lean.
  • Train new team members in standard methodologies and tools.
  • Has the ability to operate with a limited level of direct supervision.
  • Act as Risk Appetite SME to senior stakeholders and /or other team members.


  • 10+ years of financial services experience in analytic role is required. Private Label Credit experience preferred.
  • Bachelor's degree in Business, Statistics, Mathematics, or Engineering. Master’s degree preferred
  • Proficient SAS/SQL programming skills and advanced spreadsheet skills.
  • Experience leading/mentoring junior analysts and/or contractors preferred.
  • Knowledge and experience using statistical procedures, segmentation, and financial analytic tools is a differential
  • Understanding of consumer credit risk management and Credit Card Profit & Loss Drivers preferred.
  • Strong organizational skills, multi-tasking ability and an ability to learn and apply new skills quickly.
  • Strong analytical and problem solving skills required.

Leadership Competencies

  • Capability and experience to drive changes in order to achieve business targets
  • Senior executive interactions - can present credibly to both large and small groups
  • Strong interpersonal skills and ability to influence at all levels of management with effective stakeholder management
  • Displays flexibility to work well with varying personal styles
  • Takes personal responsibility to lead by example. Understands and appreciates diverse backgrounds.
  • Demonstrates strong ethics
  • Develops strong cross-functional relationships within and outside Risk Management
  • Contributes to a positive work environment; shares knowledge and supports diversity 


Job Family Group:

Risk Management


Job Family:

Regulatory Risk


Time Type:

Full time


Primary Location:

Wilmington Delaware 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


Effective November 1, 2021, Citi requires that all successful applicants for positions located in the United States or Puerto Rico be fully vaccinated against COVID-19 as a condition of employment and provide proof of such vaccination prior to commencement of employment.

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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.

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