Head of Risk, Personal Loans - Director

Citi

Head of Risk for Personal Loans at Citi, responsible for setting credit strategies and leading risk management initiatives. Driving growth and ensuring compliance with Citi’s risk appetite while managing a diverse team.

Posted 6/5/2026full-timeWilmington • Illinois • 🇺🇸 United StatesLead💰 $170,000 - $300,000 per yearWebsite

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Hard Skills

risk managementfinancial servicesmachine learninglogistic regressionanalytical abilitiescredit policyprocess improvementsP&L managementdata analysisstakeholder management

Soft Skills

leadershippeople managementcommunicationnegotiationproject managementanalytical team managementcustomer experience focusstrategic thinkingadaptabilitycollaboration

Industry Keywords

credit strategiesoperational riskregulatory compliancelending policieseconomic cyclerisk appetitesustainable growthcontrol environmentmatrix environmentbusiness performance

About the role

Key responsibilities & impact

Set the long-term vision and agenda for credit strategies for Personal Loans
Manage risk levels consistent with program’s financial goals and Citi’s risk appetite
Lead a best-in-class Risk team responsible for driving sustainable growth for business
Partner with modeling team on new tools, machine learning and alternate data
Partner with Operations leadership team to ensure best customer experience while maintaining the robust risk management principles
Ensure a consistent and strong control environment across Risk, product, and functional partners to manage operational risk
Continuously identify opportunities to improve business performance, effectiveness and efficiency through process improvements and talent management

Requirements

What you’ll need

12+ years of relevant risk management or financial services experience required
5+ years of people management experience
Possesses a complex mix of skills and leadership attributes including in-depth knowledge and experience of Loans and Cards P&L
Sophisticated analytical abilities including the know-how to lead statistically advanced analyses
Interface with the modeling teams on techniques such as machine learning or logistic regression
Demonstrated excellence in managing an analytical team
Must have experience in delivering large-scale credit policy changes and communicating them to a diverse audience
Experience in managing and negotiating with stakeholders to further a common agenda in a matrix environment
Strong knowledge of the applicable laws and regulations and the current environment which govern credit card and lending policies and practices
Demonstrated success in managing risk policy/strategy through the economic cycle
Ability to prioritize and project manage in a dynamic, fast-paced environment

Benefits

Comp & perks

medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays