Head of Risk – Non-Rewards Credit Cards Portfolio, Director

Citi

Head of Risk managing credit strategies for Non-Rewards Credit Cards Portfolio at Citi. Leading a risk team to improve business performance and ensure compliance with risk appetite.

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

About the role

Key responsibilities & impact

Set the long-term vision and agenda for credit strategies for a credit card portfolio
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, ensuring oversight of all strategic deliverables
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 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 and/or in various environments; protecting and growing the business as it enters and exits economic stress
Ability to prioritize and project manage in a dynamic, fast-paced environment
A penchant for driving execution and analytical excellence through personal examples and ability to effectively engage and inspire the team.

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

risk managementfinancial servicesmachine learninglogistic regressionanalytical abilitiescredit policyprocess improvementsdata analysisP&L managementstakeholder negotiation

Soft Skills

people managementleadershipcommunicationproject managementexecutionanalytical excellenceteam engagementstrategic thinkingadaptabilityinspiration