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Vice President - Credit Risk Policy Officer (Branded Cards Acquisition)

Job Req ID 22541292 Location(s) Wilmington, Delaware; New York, New York; Irving, Texas Job Category Risk Management
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The Credit Risk Policy Officer is a strategic professional who stays abreast of developments within own field and contributes to directional strategy by considering their application in own job and the business. Recognized technical authority for an area within the business. You need to have basic commercial awareness. There are typically multiple people within the business that provide the same level of subject matter expertise. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Significant impact on the area through complex deliverables. Provides advice and counsel related to the technology or operations of the business. Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.


  • Responsibility covers managing portfolio risk policy for the aligned products, focusing on growing and maintaining healthy portfolios through line and various accounts maintenance programs such as limit increase/ decrease, accounts renewals/ closure, cross-selling between products

  • Manage merchant policy for Cards product, focusing on healthy merchant business through managed exposure and governing of merchant acquiring policy

  • Manage 3rd party exposure and key money policy (as applicable), ensuring controllable exposure according to risk appetite

  • Work together with counterparts from Business, Sales, Credit Operations, Decision Management, Operations & Technology to ensure correct policy implementation at an operational level

  • Interact with regional counterparts for policy approval and adherence to Global/Regional Policy requirement

  • Provide analytics at portfolio and segment levels for the purpose of monitoring, making policy adjustments, provide sound credit decisions with the ultimate goal of optimizing risk and rewards

  • Work together with the Risk MIS team, in charge of Credit Risk Reporting and Portfolio Quality Review Reporting, as well as facilitating ad-hoc reporting as needed

  • Responsible for reporting and accuracy of critical portfolio data returns to the Bank's key regulators

  • Responsible for the regular validation as well as new development of the portfolio score & segmentation models through collaboration with regional and global risk analytics team

  • Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.


  • 6-10 years experience in Statistics/Analytics/Decision Management will be desirable

  • Highly ethical and with integrity

  • Effective listening skills

  • You need to have effective negotiation skills, a proactive and 'no surprises' approach in communicating Risk issues, strength in sustaining autonomous views

  • Able to work across levels in risk management and also with other operations and business teams

  • Excellent Presentation skills – adept at presenting effectively to audiences of various sizes and adapting style as necessary

  • Able to identify and influence key decision makers across various levels and functions within the organization

  • Able to work in a rapidly changing external environment and support business in a highly competitive and challenging market


  • Bachelor’s/University degree, Master’s degree preferred

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.


Job Family Group:

Risk Management


Job Family:

Risk Policy


Time Type:

Full time


Primary Location:

Wilmington Delaware United States


Primary Location Salary Range:

$116,880.00 - $175,320.00


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.

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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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